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Job Title Credit Analyst Level M5 / M6

Division Commercial Real Estate Company KMBL

No of positions

1 Location Mumbai

Reporting to To be decided Reportee None

Job Role 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

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

Educational

Qualifications

Chartered Accountant

Experience

Profile

Upto 8-10 years of experience

Personality

Traits

 Analytical Bent of Mind

 Enthusiasm for Knowledge

 Dedication & Sincerity Towards Tasks Assigned

 Valuable Organizational Discipline

 Accuracy and Error Free Execution for Tasks Assigned

 Team player

Salary range

Fixed

Variable

As per company policy

Target  Internal Group

📌 Kotak Bank/Credit Analyst-Real Estate/Mumbai
🏢 Acura Solution
📍 Mumbai