Senior Level Role - Real Estate Credit Team - Bank

Client is a well known Pvt sector bank & is rated highly among its peer group.

Role specs: [generic]

- Oversee a team of Credit Analysts to ensure smooth functioning of entire credit process for Real Estate clients for their fund based & non fund based requirements.

- Provide an independent credit opinion and recommendation on the proposed exposure & structures (to reduce transaction risk), highlighting the risks involved in a credit, considering bank's risk appetite and lending Policies, regulatory guidance etc. and providing adequate mitigants to minimize risk.

- Hands-on experience in managing credit transactions/ operations including improving risk management policies; monitoring & controlling mechanisms, procedures & systems to detect transactions outside established parameters.

- Identify business, structural, financial & overall credit risks, stipulating covenants to mitigate and ensure adherence to compliance requirements of RBI, Legal, Risk Management.

- Tracking performance of portfolio and follow up on high deviation cases, highlighting critical risk zones and securing portfolio with collaterals in high risk cases leading to reduction in delinquencies.

- Identify and report all negative events & early warning signals on potential problematic accounts/ relationships & signs of stress in client relationships, design strategies to address the stress and take pre-emptive measures to protect portfolio quality.

- Presenting credit proposals / Reports to Sanctioning Committee

- Regular engagement / meeting with clients.

- Manage relationships with internal stakeholders and external clients for data collection, compliance and co-ordination with internal & external auditors.

Candidate specs:

Must be an MBA / CA with experience in Real Estate Credit with a Bank or large NBFC

Must have hands on experience in the entire gamut of Real Estate Credit transactions

Must have led teams