Manager/Senior Manager - Credit Manager - Builder Finance/NBFC - CA

As a Manager/Senior Manager in Credit, your primary responsibility will involve preliminary screening of commercial real estate financing transactions and structuring. You will be required to engage with the in-house team including relationship managers, legal advisors, technical experts, and operations team to provide timely solutions to clients in a coordinated manner. Understanding the client's business model, organization structure, and financing needs will be crucial, along with resolving queries and collecting information on an ongoing basis. Your role will also entail credit analysis and due diligence, including preparing Credit & Risk Assessment Notes (CRAN) to evaluate risks associated with borrowers, transactions, and underlying securities. You will be responsible for presenting proposals to the sanctioning authorities, preparing review and renewal credit reports, and drafting term sheets. Ensuring compliance with sanctioned terms during disbursements will also be a part of your responsibilities. In terms of Credit Surveillance, you will be monitoring the portfolio of loans, underlying securities, and clients to proactively identify and highlight risks. Staying updated on real estate micro markets, real estate developers, regulations, and the general economy will be essential. Credit Administration will involve ensuring approvals are obtained as per policies, internal credit policies are adhered to, and external regulations by institutions like RBI are not violated. Proper maintenance of credit files to mitigate operational risks will also be under your supervision. **Job Responsibility:** - Credit Analysis & Due Diligence **Job Requirements:** - Essential desire and attitude for understanding real estate - Proficiency in Word, Excel, Access, PowerPoint, and other analytical tools - Familiarity with financial modeling - Knowledge of finance, accounting, corporate & general law, and taxation - Results-oriented with excellent oral and written communication skills **Educational Qualifications:** - Chartered Accountant **Experience Profile:** - Minimum 1-3 years of relevant experience This role demands a proactive individual with a strong understanding of real estate, proficiency in various software tools, and a comprehensive knowledge of finance and related laws. Excellent communication skills and a results-driven approach are key attributes required for this position.,