Senior Credit Analyst - Construction Finance - NBFC

Senior Credit Analyst (Construction finance) (NBFC-Mumbai)

Position Name: Head - Credit Analyst (Construction finance)

Location: Mumbai

Number of Positions: 1

Key Objective of the Job:

1. Managing a team of Credit Analysts / Business Analysts

2. Meeting Customers along with RSM / SM while origination of the deal

3. Ensure timely processing of fresh proposals along with team of Credit Analysts & Sales team

4. To appraise the data & do initial due diligence of the proposal.

5. Ensure team prepares the complete CAM, project cash flows and present proposals to credit committee.

6. To facilitate disbursement and post disbursement monitoring.

7. Post disbursement regular monitoring of the project funded

8. Subsequent tranche disbursements

9. Issuance of NOC to sell the units/ apartments

Major Deliverables:

1. Portfolio quality measured by bounce instances and delinquency

2. Timely processing & decision of proposals

3. Monitoring and managing portfolio

Specialized job competencies:

- Team management & ability to deliver within timelines through the team of Credit Analysts

- Analytical skills - ability to take decision in limited data situation.

- Credit appraisal of mid-size (10 to 40 Cr) loan proposals.

- Understanding of Real Estate Industry, builder/developers' business

- Regulations, legal intricacies and technical requirements of real estate development

- Understanding of RERA guidelines

Educational Qualification: CA/MBA with relevant experience 8-15 years in Real Estate / Construction Finance credit.