AVANA Capital Hiring for Senior Credit Analyst – Jan2023 at Pune Full Time

Position: Senior Credit Analyst

Location: Pune

Hours: Full Time

Years of Experience: 7+ years

Education: MBA / Masters Degree / Bachelors in Finance or Similar

Travel: Yes

Relocation: Yes

Working hours: 4:00 pm to 1:00 am (IST)

A. Mission

We believe our families are the most important people in our lives. We believe that our work should speak for itself, and we believe that everyone should be given a chance to succeed and grow. We also believe there is no substitute for hard work and that when we falter, we get up and do it again. We come to work with one singular goal and that is to create jobs and provide clean energy in America. We believe in talking less and executing as per our clients timeline. Do you see yourself thriving in an entrepreneurial culture and spending time with disciplined business warriors? If so, then we invite you to read on.

We have an immediate full-time opportunity for an analytical and data driven Credit Analyst who will help our company in credit underwriting and deep borrower analysis by maintaining world class standards in reviewing credit files of our customers. Come join our mission and make your mark with our outstanding people. The individual accomplishes significantly by being an integral of part of the credit team. The desired outcome from these actions intersects with:

• Borrowers being able to reach AVANA Companies seeking capital funds
• AVANA Capital Sales Team with powerful partnerships
• Extensia Financial by focusing deeply on CU community and building syndication opportunities
• AVANA Companies by elevating achievements of employees with VC and PE firms and attracting talented individuals from across the globe
• And significant impact on other future AVANA Companies products

B. Responsibilities and Targeted Accomplishments

Our work is highly agile and offers a chance to focus on many different aspects of credit analysis. As a Credit Analyst, you will become a subject matter expert with significant experience to lead and support our credit services teams.

• Lead credit analysts activities and support business services based on AVANAs loan origination, underwriting, processing, support platforms
• Support the Country manager, Chief Lending Officer, and the management team in the US to build a world class credit business division
• Underwriting, processing, and closing conventional, SBA 504, SBA 7(a) and USDA B&I loans for US based customers
• Supervision of the Credit Team, Finalizing Credit Due Diligence reports of clients/projects,
• Credit appraisal and preparation as well as review of Memorandum of Sanction; Ensuring the quality of credit appraisal and documentation of various sanctions
• Gathering information about prospective investors/clients/sectors and preparing analytical reports; Assessing, analyzing, and interpreting financial information received from clients
• Preparing spreadsheets, reports, summaries, and opinions on new, renewal and existing loans; Conduct of regular credit monitoring of clients; And finalizing action plan for follow-up
• Keeping Company credit exposures within set risk bearing limits; Performing various regulatory compliances
• Evaluate the level of risk for individual transactions and provide credit recommendations
• Year-end reporting and maintaining credit files as per FDIC and SBA guidelines
• Monitoring and administering construction loans, including monitoring the budget, review of third-party reports and funding draws timely
• Open to travel with short notice to physically inspect collateral properties
• Perform any additional requirement, tasks, and duties outside of his/her scope of work as deemed necessary by the Chief Credit Officer or Management
• Ensure the standards required by law and by Management are always maintained in all areas of operations
• Changes in business may require alterations to this Job Description

C. Core Values and Qualifications

• Master’s / Bachelor’s degree in Finance, Accounting, Economics, Real Estate Management or any related field with outstanding academic performance
• Minimum of 7 years’ experience in analyzing commercial real estate, preferably with a background in Hospitality, Senior Care/Assisted Living Facility and Renewable Energy
• Skilled in using Excel and Word
• Excellent team management with the ability to work with minimal supervision
• Ability to work in a fast-paced and multi-national environment
• Must demonstrate initiative and effective independent technical decision-making skills
• Strong and highly effective communication skills in both written and verbal and the ability to transform business insights into actionable plans
• Extremely Pro-active, Results-focused, and Strong analytical skills
• Attention to detail and quality, and the ability to work well in and across teams
• Thinks outside the box, problem solver and quick thinker

D. Interview Process

The interview process is as follows:

• Phone Screen by a Team Manager
• Online Psychometric Assessment
• Credit Interview by an expert analyst and credit assessment
• Final Interview by the Group Head

E. Position of Choice

AVANA Companies is an AI Investment and Lending platform focused on small businesses in America along with regulated CUSO, Asset Management Firm and a FDIC Bank. Together with our growing mix of accredited investors, family offices, and institutional investors, we provide financing for permanent real estate mortgage loans under the United States SBA program, construction loans, small balance unsecured loans and bridge loans.

At AVANA Companies, we specialize in lending to specific niche industries that we’re highly knowledgeable in, such as hospitality, elderly care facilities, and healthcare facilities, because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. Our company has launched two platforms recently – a small business lending platform (LendThrive™) that will drive online originations for small balance lending on working capital, equipment, inventory and accounts receivable. Our second platform (EqualSeat™) is to provide access to retail investors to co-invest with institutional investors in SME loans. Join us and become part of an organization of higher impact.