Senior Manager - Credit - Construction Finance/Builder Finance - NBFC

Manager/Senior Manager - Credit Manager

Experience in Construction Finance is required

Credit:
- 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 polices 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

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Job requirements:
- 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/MBA
- Experience Profile.