Job Description

Key Responsibilities :

- Independently evaluate lending opportunities to real estate sector, assigning rating using in-house proprietary model and making a detailed risk note highlighting key risk of the transaction

- Undertake project site visit as part of pre-sanction due diligence exercise

- Assist in developing and enhancing proprietary in-house models for credit appraisal

- Present independent view on deals to senior management and deal sanctioning committee

- On-going monitoring of the portfolio to track Early Warning Signals (EWS) for any possible stress in accounts and updating risk rating, wherever applicable

- Conduct portfolio analysis and derive at maximum loss potential estimate for the entire portfolio

- Be updated and informed of relevant regulatory guidelines and taking active participation in framing various internal policies basis the same

Skills & Experience :

- 4 - 6 years of experience across Banks / NBFCs / AIFs in handling Credit Underwriting of real estate sector.

- Understanding of Industry, financial & credit principles

- Strong understanding of financial modeling and analytical skills

- Ability to be a self-starter and think strategically to independently handle the credit analysis for the assigned deals / portfolio and highlight the risks in same

- Maintain healthy relationships with internal stakeholders to achieve team goals

- Ability to understand/ simplify and present the complex problems

- Good networking skills across Banks/NBFCs operating in the space

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