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
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
Skills/Knowled ge 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 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