Team Member Credit

4 weeks ago

Mumbai, India Kotak Mahindra Full time

Job Role

**Credit 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 requirements**

**Skills/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 Profile- At least 5-7 years of experience- Personality 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 playerSalary range:
**Fixed**

**Variable**
- As per company policy- Target Companies- Internal Group
- External Banks/HFCs/NBFCs/Real Estate Private Equity funds etc.

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