Credit Monitoring Manager - CA - Construction Finance - Noida

3 - 8 years

7 - 15 Lacs

Posted:None| Platform: Naukri logo

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Job Type

Full Time

Job Description

Designation - Credit Monitoring

Location - Noida

Product - Construction Finance

CA prefered

Roles & Responsibilities:

  • Assess and conduct detailed credit analysis and evaluation of INSTI lending proposals as part of the lending approval process
  • Scrutinize credit proposals by analyzing the project plan and progress, client creditworthiness, business strength, market credibility, financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance, and adherence to other internal credit norms
  • • Perform direct and thorough investigations and obtain relevant credit information through personal interactions with developers as and when needed
  • Interact with the Legal and Technical agencies to ensure that property and project risks have been understood and mitigated
  • Ensure that each proposal complies with credit policies as well as all internal and external norms of lending
  • Submit a credit appraisal memo to the Team Lead INSTI for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision
  • Monitor the performance of the Insti portfolio analyzing changes in fundamentals, ratings, deviations in covenants for deviations and project progress and status on a continuous basis
  • Monitor overdue positions and initiate appropriate steps to support the recovery process for the same.

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