Senior Analyst

Job Description Title- Senior Analyst Job Title: ‘Senior Analyst’ SME (Subject Matter Expert) • Agency Pre-screening and ICM: Screening/underwriting of Agency Loans (Fannie Mae), deriving Underwriting Value, using financial spreading, rent roll analysis and creation of Investment Committee Memo. • Non-Agency/Deal Pre-screening and ICM: Screening/underwriting of Non-Agency Loans, deriving Underwriting Value, using financial spreading, rent roll analysis and creation of ICM. • Loan Portfolio Stratification and ICM: Stratification of portfolio of loans belonging to various asset classes, assessing their risk exposure using their property level, loan level and performance metrices. • Extracting market and asset specific statistics from various data sources (for eg: CoStar or similar platforms) for the pipeline deals which are shortlisted for screening or underwriting. • Comparing the key deal metrics which includes Occupancy, Cap Rates, Debt Yield, Cash Flow, NOI etc. of the pipeline deals with existing portfolio. • Analyzing property pictures & map for location-based insights, preparing the capital stack (i.e., Equity vs. Debt) and presenting them in an excel and ppt format. • Collecting and preparing sales and rent comparable of the target originations with the market data sourced through broker reports or web-based applications. • Studying the demographics to understand the unit mixes, interpreting all sources of incomes & expenses through review of cash flows, ascertaining vacancy rates & rental income using rent rolls and using NOI to calculate key liquidity ratios i.e., DSCR, DY etc. • Creating investment memorandums with the deal team ahead of investment committee. • Conducting due diligence prior to closing of deal as per closing checklist. • Data input in pipeline tool (i.e., DealPath, Loan Tapes) as and when required. Essential Skills & Experience: • Must have a good knowledge of US Real Estate Industry and Market in underwriting the CML/CRE loans across all the sectors; along with hand on experience in underwriting the Multifamily agency (Freddie & Fannie) loans. • Should be aware of the US taxes for different States and Counties; along with knowledge of various rent/sales comparable to be used in accordance with subject properties. • Must be well versed with concepts of Cap Rate/Index rate/ LTC/LTV/Spreads/Cap Stack, Implied vs Cash Equity and various loan specific terminologies. In addition, should know the implications and effect of UW In-place and Mark to Market assumptions using property financials and its demographics through broker provided offering memorandum. • Candidate should have the knowledge of US Market and Sub-Market to understand the deal’s demographics and its impact on the subject property. • Hand on experience and proficient in preparing the dynamic financial models in MS excel. • Master’s degree – Major in Finance or Banking and Capital Markets, CFA designation a plus. • Exceptional quantitative aptitude and skill set with a mastery of Microsoft Office applications. • Ability to manage multiple priorities in a fast paced, fluid environment. • Previous background with real estate lending required with Debt Underwriting’ in real estate preferable. • Rigorous analytical mindset with a high level of intellectual curiosity and excellent problem-solving skills. • Acute focus on attention to detail, accuracy, and data validation. • Effective communication skills (listening, verbal, and written). • Excellent interpersonal and teamwork skills. • Sound judgment and discretion. • Strong initiative, energy and confidence completing assignments with limited supervision.