Role & responsibilities

We are looking for a Real Estate Credit Analyst. The role involves end-to-end evaluation of real estate financing opportunities, with a focus on credit underwriting, financial modelling, transaction structuring and portfolio monitoring.
Evaluate real estate financing proposals across residential, commercial and mixed-use projects.
Analyze developer/promoter profile, financial strength, track record and execution capability.
Conduct detailed assessment of project feasibility, statutory approvals, construction progress, sales velocity, collections, inventory position and marketability.
Coordinate with Business, legal and technical team. Review legal, technical and valuation due diligence and identify key credit risks & mitigants if any.
Prepare detailed Credit Appraisal Notes (CRANs) with project-level financial models and cash-flow projections & repayment/exit analysis with sensitivity testing
Evaluate transaction structure, repayment mechanism, security package, covenants and credit enhancements.
Present transaction and recommendations to Sanctioning Authority/ Senior management.




Monitor the portfolio & identify early warning signals and support portfolio reviews and corrective actions.
Track compliance with financial covenants, undertakings and key conditions post-disbursement.
Track real estate markets, developer trends, pricing, absorption, inventory and regulatory developments

Preferred candidate profile 1 -7years of relevant experience in Real Estate Credit, Real Estate Financing including Project Finance, Real Estate PE, Investment Banking or Real Estate Advisory.
CA / CFA / MBA / PGDM (Finance) or equivalent qualification preferred.
Robust understanding of real estate project finance, RBI Regulations, Project Finance Guidelines and credit underwriting.
Experience in preparing CRANs / Credit Committee notes & Excellent financial modelling and Excel skills.
Ability to independently analyze financial statements and project cash flows.
Fair understanding of real estate documentation, escrow structures, approvals and security structures.
Valuable written and verbal communication skills.
Solid analytical ability, attention to detail and commercial judgement.

📌 Credit Analyst Delhi
🏢 Kotak Mahindra Bank
📍 Delhi