Team Member Credit & Risk Corporate Real Estate (cre) Sales

Year    Mumbai, Maharashtra, India

Job Description


:

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/Knowledge 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 At least 5-7 years of experience
Personality Traits
  • Analytical Bent of Mind
  • Enthusiasm for Knowledge
  • Dedication & Sincerity Towards Tasks Assigned
  • Good Organizational Discipline
  • Accuracy and Error Free Execution for Tasks Assigned
  • Team player
Salary range:

Fixed

Variable As per company policy
Target Companies
  • Internal Group
  • External Banks/HFCs/NBFCs/Real Estate Private Equity funds etc.

Kotak Mahindra Bank

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Job Detail

  • Job Id
    JD3206587
  • Industry
    Not mentioned
  • Total Positions
    1
  • Job Type:
    Full Time
  • Salary:
    Not mentioned
  • Employment Status
    Permanent
  • Job Location
    Mumbai, Maharashtra, India
  • Education
    Not mentioned
  • Experience
    Year