Chief Manager - Credit Analyst - Commercial Real Estate - CA

Job Role:

Credit Analysis:

- Preliminary screening of commercial real estate financing transactions and structuring

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

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

- Credit analysis & due diligence. Preparing Credit & Risk Assessment Notes (CRAN) for evaluating risk in borrower, transaction and 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 disbursements to ensure compliance with sanctioned terms

Credit Surveillance:

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

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

Credit Administration:

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

- Ensuring and monitoring that no external regulations of lending as and when updated by the various institutions like RBI or other regulators are not violated

- Supervising and ensuring proper maintenance of credit files to avoid any operational risks

Job Responsibility: Credit Analysis & due diligence

Educational Qualifications : CA