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 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