Credit Analyst-Construction Finance-Mumbai

Job Description:

Credit Analysis:
 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