Manager/Senior Manager - Credit - Builder Finance - NBFC (3-6 yrs)

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

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.

- Experience Profile.

- At least 1-3 years of experience.