Senior Manager/AVP - Credit Analyst - Bank - CA

Credit Analysis:

- Preliminary screening of commercial real estate financing transactions and structuring

-Interaction with in-house team (relationship, legal, technical and operations) to provide solution to clients in coordinated and timely manner.

-Interaction with client to understand their business model, organization structure and financing needs. Also, resolution of queries and collection of information on ongoing basis

- Credit analysis & due diligence. Preparing Credit & Risk Assessment Notes (CRAN) for evaluating risk in borrower, transaction and 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

- Preparing term sheets

- Checking disbursements to ensure compliance with sanctioned terms

Credit Surveillance :

- Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client.

- Keeping update on real estate micro markets, real estate developers, regulations and general economy

Credit Administration :

- Ensuring the approvals are taken as per policies laid down and ensuring the internal policies on credit are not violated.

- Ensuring and monitoring that no external regulations of lending as and when updated by the various institutions like RBI or other regulators are not violated

- Supervising and ensuring proper maintenance of credit files to avoid any operational risks

Job Responsibility :

- Credit Analysis & due diligence

Job requirements :

Skills/Knowledge prerequisites :

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

- Computer savvy with experience in Word, Excel, Access, Power point and other analytical tools.

- Conversant with financial modeling

- Knowledge of finance, accounting, corporate & general law and taxation

- The individual in this position must be results oriented and must possess excellent oral and written communication skills

Educational Qualifications : Chartered Accountant