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 sheetsChecking disbursements to ensure compliance with sanctioned termsCredit 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 economyCredit 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
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 fin
📌 Team Member-support Services-credit (Mumbai)
🏢 Kotak Mahindra
📍 Mumbai
Reply to this offer
Impress this employer describing Your skills and abilities, fill out the form below and leave Your personal touch in the presentation letter.