Manager - Credit Monitoring/Analysis - Real Estate

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 the real estate micro market, real estate developers, regulations and the 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 an in-house team (relationship, technical, legal and operations) to provide the solution to clients in the 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 Responsibility :

- Credit monitoring & due diligence

Job requirement/Skills :

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

- Knowledge of Microsoft office

- Conversant with financial modeling

- Must possess excellent oral and written communication skills

Educational qualifications- Chartered accountant or MBA Finance from Top Tier B School

Experience 2+ Years