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    Senior Credit Analyst - Mumbai, India - Intellectual Capital HR Consulting Pvt. Ltd.

    Intellectual Capital HR Consulting Pvt. Ltd.
    Intellectual Capital HR Consulting Pvt. Ltd. Mumbai, India

    5 days ago

    Default job background
    Banking / Loans
    Description

    Essential Qualification & Experience :

    CA/MBA from a premium institute. Preferred CA –Ist Attempt

    15 + years of experience in wholesale real estate credit division of a Bank /NBFC or Fund in Real Estate

    Must carry a deep understanding of the drivers of Real Estate and factors affecting the risks of lending to this segment.

    Minimum 4 years of team handling experience. Preferable.

    Key Responsibilities :

    • Underwriting in real estate including builders and LRD
    • Key responsibility is to ensure a through evaluation of Real Estate proposals including financials, security, regulation wrt to lending as well as real estate, sales projections, cash flow projections, micro markets and enterprise.
    • Along with the team, conduct in depth analysis and comprehensive analysis of the projects and enterprise
    • Take balanced decisions on underwriting risk within delegated authorities. Present a comprehensive and balanced analysis for enabling decisions in other cases.
    • Periodically monitoring progress, through financials, sales and collection progress, approval status, construction status, etc.
    • Conduct periodic reviews of the outstanding advances portfolio, including tracking pf progress and conditions at the time of sanctions. Initiate appropriate actions or escalations in case of deviations.
    • Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
    • Assist compliance team in regular audits and other data points.

    Key Skills :

    Financial Modelling

    Analysis of various factors specific to real estate

    Cash flow analysis

    Team mentoring

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