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Real Estate Underwriting Officer

India, Mumbai · Job Posted March 13, 2026
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Job Description

The Analyst will hold a critical role within the Structured Credit and Real Estate Underwriting (SCREU) team administering a multi-billion-dollar portfolio of real estate and asset securitization transactions. The analyst will support monitoring and underwriting process in conventional and affordable housing as well as related real estate sectors such as covering REITS/REOC, casino/gaming, and homebuilders.

Job Responsibility

  • Work proactively with the Underwriting team to ensure timely information flow/ communications among all internal stakeholders
  • Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers with the aim of identifying and mitigating credit risks. Assist with classification and risk rating processes, decisions and monitoring
  • Review servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance, and keep abreast of industry and market trends and customer-specific events, which may require contributions to quarterly portfolio reviews and liaising on updates to collateral data
  • Prepare annual credit approval and quarterly memos in a timely manner
  • Model transactions for risk rating and stress testing purposes
  • Assist with special projects including stress testing, portfolio concentration analysis, internal audit & reviews, risk rating processes, Credit Policies and Credit Programs across product groups
  • Assist in reporting of Basel securitization parameters
  • Maintain organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
  • Review and analyze historical and pro forma financial statements of real estate properties (e.g., operating statements, rent rolls) to ascertain revenue trends, expense structures, and Net Operating Income (NOI)
  • Examine the financial statements (Balance Sheet, Income Statement, Cash Flow Statement) of borrowers and sponsors to assess their financial health
  • Basic understanding of real estate valuation methodologies

Requirements

  • 0-2 years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
  • real estate or structured credit/securitization experience is a plus
  • A strong interest in real estate/structured products and credit analysis
  • Strong Microsoft Office skills. Modelling experience is a plus
  • Strong attention to detail
  • Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
  • Team player with strong work ethic who also works well with others at all levels
  • Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • The ability to work independently to meet tight deadlines and initiate ideas with other members of the SCREU team and Independent Risk to mitigate risk
  • Education: MBA or CFA or CA

Nice to have

  • real estate or structured credit/securitization experience
  • Modelling experience
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