Credit Analyst - Real Estate

9 - 14 years

20 - 35 Lacs

Posted:2 months ago| Platform: Foundit logo

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Work Mode

On-site

Job Type

Full Time

Job Description

Responsibilities:

  • Conduct credit appraisal for real estate clients for fund-based exposures such as working capital, overdraft/cash credit, term loans, and non-fund-based exposures such as letters of credit and bank guarantees.
  • Prepare detailed proposal notes and ensure clearance from credit sanctioning committees.
  • Meet clients, evaluate prospective customers and markets, understand client requirements, and structure proposals/deals within bank credit guidelines and programs.
  • Monitor economic and industry developments, as well as client financial parameters, to detect potential risk triggers or stress signs and take mitigation measures.
  • Perform detailed credit and background reference checks on all prospective clients.
  • Make presentations to sanctioning committees for sanctions and approval of credit files in line with bank policies.
  • Jointly monitor portfolio with account relationship teams based on early warning systems.
  • Prepare risk/rating sheets and make recommendations to approving committees.
  • Approve cases within delegated powers.
  • Monitor portfolio on an ongoing basis for early warning signals.

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