Credit Analyst - Real Estate Projects - Banking

Job Role:-

Credit Monitoring/Analysis

- Project level detailed analysis of ongoing real estate projects with respect to sold-unsold, sales velocity, price trend, project cost, detection of early warning signals, cash flow analysis at pre & post sanction/disbursement level

- Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client

- Keeping update on real estate micro market, real estate developers, regulations and general economy

- Ensuring the approvals are taken as per policies laid down and ensuring the internal policies on credit are not violated

- Preparation & circulation of various MIS like Escrow account monitoring report, charge creation with ROC, Security cover, deferral closure etc

- Interaction with in house team (relationship, technical, legal and operations) to provide solution to clients in coordinated and timely manner

- Credit analysis & due diligence. Preparing Credit Notes for evaluating risk in borrower, transaction & 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

- Checking Part Disbursement to ensure compliance with sanctioned terms

Job Responsibilities:

- Credit monitoring & due diligence

Requirement Skills:-

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

- Knowledge of Microsoft office

- Conversant with financial modelling

- Must possess excellent oral and written communication skills