Senior Analyst

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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.