Team Member-support Services-credit

3 days ago

Mumbai Maharashtra, India Kotak Mahindra Full time

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**

**None**
- 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 sheetsChecking 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

Upto 8-10 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 player
- Salary 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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