Head - Credit - Construction Finance Function - Housing Finance Firm

- Strategic role to work with the Mortgage business Head Credit- Construction Finance

- Leadership role with a market-leading Housing Finance Company

Client Details :

Our client is one of the well-established Housing Finance Company backed by a reputed conglomerate. The HFC has mortgage product offerings across loans, Mortgages, Loans Against Property, Loans Against Shares, Micro-finance and Agri-loans. They are looking for a Head Credit- Construction Finance with strong team handling experience for their operations based in NCR.

Description :

Reporting to the Chief Risk Officer, you will be responsible for :

- Responsible for building a quality portfolio for the Company through risk evaluation of retail and corporate loans, project approvals and preparation of credit policies.

- Credit Risk Policy Management, product development, post-authorization audits to check credit quality, compliance to policies and documentation

- Developing and implementing standard credit decision management system through automation for lending to self-employed customers and portfolio analysis and review mechanism

- Responsible for Credit assessment of construction finance, high-value corporate loans, structured transactions including Loan against Property and Lease Rental Discounting etc.,

- Ensuring end to end credit approval process through credit committees of the Board, formulating business strategies and risk policy in line with business plan for commercial lending

- Concluding the transactions/proposals/cases through providing step wise solutions from the origination till disbursement, regular Credit Risk Portfolio Monitoring and collateral Management, augmenting team, both in headcount and skills, to handle business and growing portfolio, responsible for implementation of internal control and procedures and Pre & post disbursal audit checks & controls, disbursal sign off post compliance of terms and conditions.

- Underwriting Construction Finance Cases, preparation of appraisal notes, presentation to Competent Authorities, Conveying Decisions, minutes of meeting, Timely opinion on One-Pagers (Pre-login deals), proposal summaries, Disbursement/ credit deviations Signoff, maintaining TAT/Adherence to risk related processes.

- Providing solutions to customer issues. .

- Credit Operational Risk Mitigation and Monitoring

- Keeping track on updated financials, external credit ratings, regular update on the portfolio to examine early warning signals. Taking corrective steps on the basis of RAG analysis of portfolio.

Profile :

- CA/MBA with 10+years of work experience who has handled construction finance appraisal in any housing finance company or a real estate company will be a strong fitment for the role.

Job Offer:
 
Great opportunity to work with one of the largest organizations in the mortgage industry which is in a growing phase.

The opportunity offers an excellent work environment and path for the overall career progress.

Page Group India is acting as an Employment Agency in relation to this vacancy.

Contact - Anshul Bhardwaj - +91 (0) 124 452 5426

The Apply Button will redirect you to the website. Please apply there as well.