To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision to Risk team for further approval at CC level
Meet with developers and builders to understand the viability of their projects, in terms of project scale, progress and financials
Provide inputs towards the structuring of the deal, ensuring compliance with internal risk and external regulatory requirements
Carry out an analysis of the balance sheet and recent financial results of developers and their organizations
Carry out background research on the project, the developer and the regional market, highlighting any negative reports so as to ensure the quality of ABHFL’s lending portfolio
To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated.
Monitor statutory real estate guidelines and assess any relevant information from these sources
Manage direct relationships with developer finance and accounts teams to get timely and correct information
Prepare a credit memo and forward it to the Risk team /credit committee, following up on action so as to ensure minimal turn-around-time of the approval process
To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans. Ensuring proper mortgage is created in favor of ABFL. Ensuring the underlying security mortgaged is marketable and having a explicit title.
Emphasize strict compliance and adherence to internal risk management and external regulatory norms
Ensure a thorough understanding and acceptance of the ABFL credit risk strategies, and ensure that appropriate credit risk parameters are incorporated in proposals
To work with the Central Risk teams to identify risk areas and build processes to mitigate risk, including performance metrics and documented procedures
Monitor customer accounts on a periodic basis t
📌 Senior Credit Analyst (India)
🏢 ABC - Aditya Birla Housing Finance
📍 India
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