Senior Credit Analyst - Construction Finance - HFC

Business Credit Analyst - Construction Finance

1. To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision to Risk team for further approval at CC level

- Meet with developers and builders to understand the viability of their projects, in terms of project scale, progress and financials

- Provide inputs towards the structuring of the deal, ensuring compliance with internal risk and external regulatory requirements

- Carry out an analysis of the balance sheet and recent financial results of developers and their organizations

- To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated.

- Monitor statutory real estate guidelines and assess any relevant information from these sources

- Manage direct relationships with developer finance and accounts teams to get timely and correct information

- Prepare a credit memo and forward it to the Risk team /credit committee, following up on action so as to ensure minimal turn-around-time of the approval process

2. Emphasize strict compliance and adherence to internal risk management and external regulatory norms

3. Vendor Management

- Identifying and recommendation for Appointment of vendors at local levels including valuation, legal, Field Investigation Agencies, Fraud Containment Agencies.

- Managing TAT with various vendors - a) Field investigation, b) Lawyers, c) Technical Valuers, d) RCU agency to ensure Customer Delight

4. Process Management

- Ensuring that end to end processes are followed as per the SOPs as defined for CF at the local assessment level