Credit Underwriter & Deal Architect (Real Estate)

Company Description:

Lumora Capital is a next-generation lender redefining real estate–backed bridging finance through a unique synthesis of institutional pedigree and market-leading technology. While focused on the £10–50 million mid-market space, we are currently executing an aggressive roadmap to scale our loan book to £320m within our first year—a feat made possible by our proprietary, AI-driven platform. Unlike legacy lenders tethered to manual workflows, Lumora operates with an AI-First Culture, where machine learning and predictive intelligence are woven into our DNA. Our latest work focuses on deploying automated underwriting engines that ingest complex asset data to provide rapid risk assessment and predictive transaction modeling, drastically compressing timelines while maintaining the highest level of institutional-grade credit discipline.

Joining Lumora means operating at the forefront of financial innovation under the direct mentorship of industry veterans. Our leadership team brings an elite pedigree from major corporate banks, Accenture, and global challengers, having collectively executed over £12bn in debt transactions and led £4bn+ in restructurings. We champion a philosophy of International Engagement, utilizing our tech stack to foster a borderless, high-performance environment where team members, regardless of their global location, work directly with senior management and key stakeholders. This ensures that every individual has a seat at the table, contributing to complex deal structuring and helping build the world's most advanced tech-enabled lender from the ground up.

Role Outline:

As a Credit Analyst at Lumora Capital, you are not a loan processor—you are a Deal Architect. You will join a high-performance, forward-thinking team that sits at the intersection of International Real Estate Finance and Artificial Intelligence. This role is designed for an analytical high-flyer who possesses the technical steel to deconstruct a balance sheet and the commercial curiosity to influence deal structuring. You will move beyond manual data entry, utilizing proprietary AI tools to focus on high-value due diligence, risk mitigation, and stakeholder management for complex UK-based real estate transactions.

Key Areas of Responsibility:

Strategic Credit Engineering & Deal Modeling

○ Precision Financial Modeling: Build and stress-test complex deal models for specialized asset classes (Hotels, Carehomes, Serviced Offices). You will move beyond data entry to engineer sensitivity scenarios—testing exit yields, cost overruns, and interest rate volatility to define deal viability.

○ Capital Stack Analysis: Run and interpret high-level credit metrics including LTV (Day 1 vs. Exit), ICR/DSCR, and refinance coverage. You are responsible for identifying the breaking point of a transaction.

○ Borrower Forensic Review: Conduct deep-dive assessments of Sponsor Net Worth and ALIE statements. You will analyze the suitability of the legal structure and its direct impact on the firm's credit risk.

Forensic Due Diligence & Risk Investigation

○ Intelligence Gathering: Direct the end-to-end due diligence process. Instead of merely collecting documents, you will interrogate rent rolls, tenancy schedules, and leases to identify inconsistencies or hidden commercial risks.

○ Technical Asset Evaluation: Review planning status, environmental reports, and Quantity Surveyor (QS) data. You will synthesize macro and micro-location data to provide a definitive suitability for funding recommendation.

○ Risk Mitigation Architecture: Identify inherent risks in underlying opportunities (macro/micro) and propose creative mitigation strategies to the Credit Committee.

High-Impact Credit Articulation

○ Credit Paper Leadership: Draft the narrative of the transaction. You will lead the writing of transaction overviews, sponsor track records, and the analysis of strengths vs. weaknesses.

○ Credit Committee Engagement: Incorporate high-level feedback from Senior Analysts and stakeholders to finalize credit write-ups. You are expected to have a seat at the table during deal structuring discussions.

○ Stakeholder Navigation: Coordinate with internal Origination, Legal, and Ops teams, as well as external Valuers and Lawyers, to ensure the credit view is aligned with commercial reality.

Advanced Execution & Compliance (LMA Standards)

○ Legal Integrity Oversight: Review and verify Term Sheets, Facility Agreements, and LMA-style Security Documents (charges, debentures, guarantees). You ensure the legal steel of the deal matches the credit approval.

○ Condition Precedent (CP) Management: Own the CP checklist (KYC, valuations, legal opinions) and proactively flag exceptions or the need for deferrals to prevent last-minute hazard.

○ Post-Disbursement Strategy: Support the workout strategy for stressed or defaulted loans by building downside recovery scenarios and fire-sale exit models.

Innovation & AI Integration

○ AI Tool Validation: As a forward-thinking firm, you will collaborate with our data team to stress-test and validate our proprietary AI-driven credit tools, helping to define the future of automated credit analysis in the Philippines.

Key Result Area Qualifications and Experience:

● Bachelor's degree in Finance, Real Estate, Economics, or a quantitative field

● 5+ years in financial services, credit analysis, or real estate (internships included).

● Excellent oral and written English communication skills.

● Experience with Real Estate assessment or construction is considered useful.

● Ability to interpret Balance Sheets, P&L, and Cash Flow statements.

● Proficient in data structuring, cash flow modeling, and sensitivity analysis.