Responsible for independent credit risk assessment, approval, ongoing risk
monitoring and portfolio management of Real Estate Finance and Project Finance
in India.
Credit Underwriting & Transaction Review
* Engage with business units at an early stage to discuss deal direction and
structuring from a risk perspective
* Independently review and assess credit applications across Real Estate
Finance and Project Finance, including development, income-producing assets
and structured financing.
* Conduct credit analysis covering borrower / sponsor assessment, sector and
business analysis, financial and cash flow, stress testing, transaction
structure, and key risk mitigants. Prepare detailed executive summaries to
seek approval from senior management.
* Provide independent, commercially balanced challenges to new transactions,
amendments, waivers, and restructurings in line with the bank’s credit policy
and credit appetite.
* Provide explicit, well‑reasoned credit recommendations with ownership of key
risk positions.
* Support resolution and restructuring of stressed exposures,
where required.
* Contribute to development and refinement of real estate credit risk
frameworks, underwriting standards, and portfolio limits.
Individual approval authority may be considered in the future, subject to
satisfactory performance, experience, and governance requirements..
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Portfolio Management & Credit Monitoring
* Monitor assigned credit exposures and portfolios, including periodic reviews,
covenant compliance, internal risk ratings, and early warning indicators.
* Identify potential credit deterioration and establish timely action plans to
mitigate downside risk and minimize credit costs.
* Conduct targeted portfolio and sector reviews in response to market or
borrower specific stress.
* Track market, sector, and pricing developments and escalate key risks to
senior management.
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📌 Director/Vice President (India)
🏢 SMBC
📍 India