Credit Manager - Real Estate Vertical - NBFC - CA

Team Lead - Credit

Business Unit - Real Estate Finance

Reporting - Head Credit

Location - Mumbai

IC Role

Job Purpose :

Financial Analysis and Relationship Management with Real Estate players, Financial Institutions, Advisory and Planning, Financial Analysis and Relationship Management with Real Estate players, Financial Institutions, Advisory and Planning

PRINCIPAL ACCOUNTABILITIES :

Credit Analysis :

- Appraisal and Structuring of Real Estate funding transactions

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

- Interaction with clients in real estate space to understand their business model, organization structure and financing needs

- Credit analysis & due diligence.

- Preparing Credit Appraisal Memos for evaluating risk in borrower, transaction & underlying security and making recommendation to Credit/Investment Committee

- Preparing term sheets in discussion with business team and ensure compliance with sanctioned terms

- Preparation of financial models for the transactions

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-markets, real estate developers, regulations pertaining to the sector

- Ensuring compliance of loan accounts with regulatory guidelines and internal credit and company guidelines