Rank Group - Credit Head - Real Estate Finance Division

Job description

As the Credit Head, you will be responsible for leading and managing the credit risk assessment function within the real estate finance division. You will oversee a team of credit analysts, ensuring that robust credit analysis, risk assessments, and financial evaluations are conducted for all real estate loan applications. You will play a pivotal role in decision-making, providing leadership and strategic direction for credit decisions, loan structuring, and portfolio management.

Key Responsibilities:

- Credit Strategy and Leadership: Lead credit risk assessments and execute strategies for loan approvals, risk mitigation, and portfolio management. Mentor the credit analysis team.

- Credit Risk Management: Define and implement credit risk policies. Ensure alignment with risk appetite and regulatory requirements.

- Team Management: Supervise, train, and develop credit analysts. Foster collaboration and continuous improvement.

- Loan Structuring and Syndication: Structure complex real estate loans. Work with lenders to syndicate loans as needed.

- Credit Assessment and Due Diligence: Oversee credit evaluations, financial reviews, and property appraisals. Ensure compliance with legal and regulatory requirements.

- Financial Modelling & Risk Analytics: Use advanced financial models to assess creditworthiness and risk exposure. Monitor financial metrics and market trends.

- Portfolio Oversight: Regularly review the loan portfolio and mitigate potential risks.

- Credit Memos & Reporting: Oversee credit memos, summarizing analysis and recommendations for loan decisions.

- Stakeholder Engagement: Collaborate with senior leadership, legal, and compliance teams to ensure alignment on policies and strategies.

- Market Intelligence & Trends: Stay updated on market trends, economic conditions, and regulations to inform credit decisions.

Required Skills and Competencies:

- Strategic Leadership: Proven experience in leading teams and making sound decisions under pressure.

- Advanced Financial Analysis: Expertise in financial statements, ratios, and real estate finance.

- Credit Risk Expertise: Ability to assess credit risk and analyze complex financial data.

- Real Estate Knowledge: Strong understanding of the real estate market and legal aspects of transactions.

- Analytical and Problem-Solving Skills: Strong analytical ability to identify risks and develop strategies to mitigate them.

- Communication and Negotiation: Excellent communication and negotiation skills to collaborate with stakeholders.

- Attention to Detail: Exceptional attention to detail in reviewing financial documentation and agreements.

Education and Experience:

- Minimum 7-10 years of experience in credit risk management or real estate finance, including significant experience leading teams.

- Professional qualifications such as CA, ICWA, CFA, or MBA in Finance are highly preferred.

- Proven track record of managing complex credit portfolios and making high-stakes credit decisions.