Sr. Credit Analyst- CRE- Mumbai

Job Description:

 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

Job requirements

Skills/Knowled ge prerequisites

 A desire & attitude for understanding of real estate is essential

 Computer savvy with experience in Word, Excel, Access, Power point and other analytical tools.

 Conversant with financial modeling

 Knowledge of finance, accounting, corporate & general law and taxation

 The individual in this position must be results oriented and must possess excellent oral and written communication skills