Senior Credit manager (Real estate lending)

Essential Qualification & Experience :

- CA/MBA from a premium institute. Preferred CA –Ist Attempt

- 15 + years of experience in wholesale real estate credit division of a Bank /NBFC or Fund in Real Estate

- Must carry a deep understanding of the drivers of Real Estate and factors affecting the risks of lending to this segment.

- Minimum 4 years of team handling experience. Preferable.

Key Responsibilities :

Underwriting in real estate including builders and LRD

Key responsibility is to ensure a through evaluation of Real Estate proposals including financials, security, regulation wrt to lending as well as real estate, sales projections, cash flow projections, micro markets and enterprise.

Along with the team, conduct in depth analysis and comprehensive analysis of the projects and enterprise

Take balanced decisions on underwriting risk within delegated authorities. Present a comprehensive and balanced analysis for enabling decisions in other cases.

Periodically monitoring progress, through financials, sales and collection progress, approval status, construction status, etc.

Conduct periodic reviews of the outstanding advances portfolio, including tracking pf progress and conditions at the time of sanctions. Initiate appropriate actions or escalations in case of deviations.

Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.

Assist compliance team in regular audits and other data points.

Key Skills :

- Financial Modelling

- Analysis of various factors specific to real estate

- Cash flow analysis

- Team mentoring