Associate Vice President - Sales & Underwriting - Wholesale Lending

We are hiring for the position of AVP Business Development (Appraisal), Wholesale Lending for our client in Financial Services.

Job Location: Delhi, Bangalore

Education: MBA/ CA

Experience: 10+ Yrs

Job Overview: We are seeking an experienced and dynamic professional for the role of AVP Business Development (Appraisal) in the Wholesale Lending vertical. The incumbent will be responsible for driving loan origination, conducting detailed financial and credit risk analysis, preparing financial models, and coordinating with clients to structure and appraise wholesale lending proposals across sectors such as real estate, hospitality, manufacturing, and NBFCs.

Key Responsibilities:

- Business Development & Loan Origination: Identify, originate, and evaluate lending opportunities in the wholesale lending space by targeting high-potential clients in key sectors.

- Client Coordination: Engage with corporate clients, developers, NBFCs, and promoters to understand business needs, gather required information, and maintain strong relationships throughout the deal cycle.

- Project Financing & Credit Appraisal: Perform comprehensive appraisal of loan proposals including project financing structures, feasibility analysis, and creditworthiness of borrowers.

- Financial Analysis & Modelling: Prepare and analyze detailed financial models including projections, cash flow analysis, IRR, DSCR, and other key metrics for investment decisions.

- Credit Risk Assessment: Assess credit risk by analyzing historical financial statements, balance sheets, income statements, and cash flows. Evaluate promoter strength, business viability, and repayment capacity.

- Due Diligence & Documentation: Conduct in-depth due diligence and coordinate with legal, technical, and risk teams for timely closure of appraisals and documentation.

- Deal Structuring & Closure: Structure appropriate debt solutions and assist in negotiation and finalization of terms. Drive transactions through credit committee approvals and to financial closure.

Key Requirements:

- Experience: 10+ years of relevant experience in term lending, business development, and credit appraisal in wholesale/corporate lending space.