Credit Manager - Bank/NBFC - CA/IIM/ISB/MDI/FMS

Essential Qualification & Experience :

- CA/MBA from a premium institute. Preferred CA -Ist Attempt

- 3 + years of experience in wholesale real estate credit division of a Bank /NBFC or Fund in Real Estate

- Must carry a deep understanding of the drivers of Real Estate and factors affecting the risks of lending to this segment.

- Minimum 3+ years of team handling experience. Preferable.

Key Responsibilities :

- Underwriting in real estate including builders and LRD

- Key responsibility is to ensure a through evaluation of Real Estate proposals including financials, security, regulation wrt to lending as well as real estate, sales projections, cash flow projections, micro markets and enterprise.

- Along with the team, conduct in depth analysis and comprehensive analysis of the projects and enterprise

- Take balanced decisions on underwriting risk within delegated authorities. Present a comprehensive and balanced analysis for enabling decisions in other cases.

- Periodically monitoring progress, through financials, sales and collection progress, approval status, construction status, etc.

- Conduct periodic reviews of the outstanding advances portfolio, including tracking pf progress and conditions at the time of sanctions. Initiate appropriate actions or escalations in case of deviations.

- Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.

- Assist compliance team in regular audits and other data points.

Key Skills :

- Financial Modelling

- Analysis of various factors specific to real estate

- Cash flow analysis

- Team mentoring