Business Credit Analyst - Construction Finance - BFSI

Business Credit Analyst - Construction Finance

1. To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision to Risk team for further approval at CC level

- Meet with developers and builders to understand the viability of their projects, in terms of project scale, progress and financials

- Provide inputs towards the structuring of the deal, ensuring compliance with internal risk and external regulatory requirements

- Carry out an analysis of the balance sheet and recent financial results of developers and their organizations

- To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated.

- Monitor statutory real estate guidelines and assess any relevant information from these sources

- Manage direct relationships with developer finance and accounts teams to get timely and correct information

- Prepare a credit memo and forward it to the Risk team /credit committee, following up on action so as to ensure minimal turn-around-time of the approval process

2. Emphasize strict compliance and adherence to internal risk management and external regulatory norms

3. Vendor Management

- Identifying and recommendation for Appointment of vendors at local levels including valuation, legal, Field Investigation Agencies, Fraud Containment Agencies.

- Managing TAT with various vendors - a) Field investigation, b) Lawyers, c) Technical Valuers, d) RCU agency to ensure Customer Delight

- Regular Training and reviewing the performance of the vendors with regular interaction and keeping eye on the other financial institution association.

4. Process Management

- Ensuring that end to end processes are followed as per the SOPs as defined for CF at the local assessment level

- Continuous improvement in credit approval process to meet the dynamic business needs and instituting mechanisms for adherence of risk associated with the product s, safety of financed amount and customer satisfaction.

- Training implementation for Local Credit Process team, Sales team on product, processes, legal and technical aspects.