Credit Manager-Construction Finance/ Mumbai

Job Description:

ey Responsibilities:

• Credit Appraisal:

  • Conduct detailed credit assessment of real estate developers/projects.

  • Analyze financial statements, project viability, cash flows, promoter background, and overall creditworthiness.

  • Evaluate legal, technical, and market risk reports related to the proposed project.

• Due Diligence:

  • Coordinate with legal, technical, and valuation teams for property/project evaluation.

  • Ensure compliance with internal policies and regulatory requirements.

  • Perform site visits as part of pre-sanction and post-sanction monitoring.

• Policy Adherence:

  • Ensure all proposals are in line with company’s credit policy and risk appetite.

  • Recommend deviations only with adequate justification and risk mitigants.

• Sanction & Documentation:

  • Prepare detailed credit appraisal memos for sanctioning authorities.

  • Monitor documentation and post-sanction compliance before disbursement.

• Portfolio Monitoring:

  • Monitor the health of the existing loan portfolio through regular reviews.

  • Identify early warning signals and initiate corrective actions.

• Stakeholder Management:

  • Liaise with sales, legal, technical, and operations teams to ensure end-to-end execution of deals.

  • Engage with external stakeholders such as customers, valuers, advocates, and due diligence agencies.