Designation: Credit Manager

Total Experience: 5 Years +

Qualification: CA (Preferred) with 4 Years in same domain OR MBA Finance 7 Years+ in same domain

Location: Andheri E, Mumbai-HO and travel as per the requirements of the role.

Relevant Experience: Min 3 years as Credit manager position within the real estate finance industry

Industry:

- Experience as Credit Manager role within the real estate finance industry.

- Preferred from an IB firm/ Financial Institutions/Real Estate Department.

Key Responsibility:

- Interaction with the Clients, understanding their requirements, collating required data for preparation and submission of the proposal to Banks/ FI's

- Evaluating clients' credit data and financial statements for preliminary risk assessment

- In-depth credit assessment involving Financial, Credit, Legal, Technical, Economic and risk analysis.

- Structuring the proposal, Review Information Memorandum, Teasers, Financial model, cash flow and CMA projections

- Proficient in excel & preparation of CMA data, financials Solution-oriented attitude and resolving queries of all Banks and Clients

- Ability to lead, negotiate and resolve, manage stakeholders' expectations

- Ability to build relationship at top levels of Financial institutions (FI)

- Stay updated on market trends, competitor activities, and regulatory changes impacting the real estate finance landscape in Mumbai & Navi Mumbai, providing strategic insights to senior management.

- Regular reader of Annual reports of listed FI & good knowledge of Financial market & economy.

- Capability to interact with financial institutions for transaction structuring, due diligence and documents.

- Hire, lead and manage a team of credit analyst, providing guidance, coaching, and support to ensure high performance and productivity.

- Handling of multiple transactions at a time Fresh / Replacement

- To cater to the Finworld Business and to enable to achieve the targets basis the business plan for the division.

Skills /Competencies:

- Self-management, self-starter with strong grasp of financial products and services relevant to real estate development projects.

- Team Management, Team Handling & team development

- Detail-oriented and results-driven, with a focus on delivering high-quality work and achieving organizational objectives

- Excellent communication and interpersonal skills, with the ability to collaborate effectively with internal and external stakeholders.

- Strong Negotiation & liasoning with bankers, external agencies

- Financial Modelling, Cash flow analysis, Analysis of various factors specific to real estate

- Thinking skills (problem solving and decision making)

- Microsoft proficiency (Excel, Word)

Key attributes:

- Street smart, excellent negotiation skills, strong networking skill, Punctual, Hardworking, Proactive

Past Experience:

- Minimum of 3 years of proven experience as Credit manager position within the real estate finance industry, with a strong grasp of financial products and services relevant to real estate development projects.

Location & Work shifts:

Office Location: Mumbai, Andheri.

Working hours: 9am-6pm (May extend depending on the work)

Working days: Monday-Friday, 1st & 3rd Saturday is working