AVP/Vice President - Credit Analysis - Real Estate Vertical - BFS - CA/IIM/ISB/MDI/FMS

Job Description :

Senior Credit analyst Level AVP/VP

Location : Mumbai

Reporting to : Head of Risk-Wholesale Banking

Job Role : Credit Analysis

- Preliminary screening of corporate real estate financing transactions and structuring

- Interaction with in house team (relationship, technical, legal and operations) to provide solution to clients in coordinated and timely manner

- Interaction with client to understand their business model, organisation structure and financing needs. Also, resolution of queries and collection of information on ongoing basis

- Credit analysis & due diligence. Preparing Credit Notes for evaluating risk in borrower, transaction & underlying security and making initial recommendations

- Presenting the proposal to sanctioning authorities

- Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts

- Preparing term sheets

- Checking Disbursement to ensure compliance with sanctioned terms

Credit Surveillance & Administration :

- Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client

- Keeping update on real estate micro market, real estate developers, regulations and general economy

- Ensuring the approvals are taken as per policies laid down and ensuring the internal policies on credit are not violated

Job requirement/Skills :

- A desire & attitude for understanding of real estate is essential

- Credit analysis & due diligence

- Knowledge of Microsoft office

- Conversant with financial modelling

- Must possess excellent oral and written communication skills

Educational qualifications : Chartered accountant/MBA from reputed institute

Experience : 6+ Years