Job Description

: Job Title Credit Analyst Level M5 / M6
Division Commercial Real Estate Company KMBL
No of positions 1 Location Mumbai
Reporting to To be decided Reportee NoneJob RoleCredit 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 requirementsSkills/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 ProfileUpto 8-10 years of experiencePersonality 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:FixedVariable As per company policy
Target Companies

• Internal Group
• External Banks/HFCs/NBFCs/Real Estate Private Equity funds etc.

Kotak Mahindra Bank