- Analyze loan proposals from builders, developers, and real estate companies.
- Conduct detailed due diligence on financials, project cash flows, repayment capacity, and collateral.
- Prepare Credit Appraisal Memorandums (CAM) and recommend credit limits in line with risk appetite.
Risk Assessment & Monitoring
- Evaluate project feasibility, approvals, land titles, and legal documentation.
- Identify key risks (market, execution, regulatory) and propose mitigants.
- Conduct regular portfolio monitoring, review early warning signals, and track project progress.
Market & Sector Analysis
- Keep track of real estate sector developments, demand–supply dynamics, and pricing trends.
- Benchmark proposals against market peers and internal lending norms.
Stakeholder Management
- Liaise with business teams, legal, technical, and risk partners for end-to-end assessment.
- Present proposals to the Credit Committee and defend recommendations.
Compliance & Governance
- Ensure adherence to internal credit policies, RBI/NBFC regulations, and audit guidelines.
- Maintain proper credit files, documentation, and data accuracy.