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 transparent 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 to ensure the mai

📌 Credit Analyst (Goregaon East)
🏢 Financial services
📍 Goregaon East