Credit Analyst 2 - MUMBAI

Overview

Credit Analyst 2 in the Structured Credit and Real Estate Underwriting (RESCU) team, supporting a multi-billion-dollar portfolio of primarily affordable housing real estate assets across North America (Citi Community Capital), covering construction financing, guarantor analysis and permanent financing.

What you'll do

• Work with the Underwriting team and Asset Manager to ensure timely information flow and communications among all internal stakeholders.
• Review property-level financials (operating statements, rent rolls, NOI) and borrower/guarantor financial statements, including REO exposure, to identify deteriorating trends and support portfolio reviews.
• Monitor ongoing compliance of assigned deals with documented financing terms and conditions, portfolio performance and financial triggers to identify and mitigate credit risks.
• Assist with classification and risk rating processes, decisions and monitoring.
• Monitor projects under development, including construction progress, budget tracking, draw reviews, execution risks, risk ratings and annual reviews through completion and stabilization.
• Prepare annual credit approval and quarterly memos in a timely manner.
• Assist with stress testing, concentration analysis, audits, risk ratings and credit policy initiatives.
• Maintain audit-ready credit files in line with WCR policies.

What you'll need

• 3 to 6 years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm.
• Strong Microsoft Office skills.
• Strong attention to detail, with responsibility for due diligence and documentation of transactions to ensure all risk, business and policy points are covered.
• Oral and written communication skills enabling effective interaction with internal and external constituents of all levels.
• Team player with a strong work ethic who works well with others at all levels.
• Strong organizational skills, with ability and willingness to work under pressure and manage time and priorities effectively.
• Ability to work independently to meet tight deadlines and initiate ideas with other members of the RESCU team and Independent Risk to mitigate risk.

Nice to have

• Structured credit/securitization experience.
• Modelling experience.
• Real estate or structured credit experience.

Details

• Location: Mumbai, Maharashtra, India.
• Employment type: Full time.