Credit Manager-Construction Finance-Leading NBFC-Hyderabad

7 days ago

Hyderabad, Telangana, India Acura Solutions Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Job Purpose:

The Credit Manager Construction Finance will be responsible for evaluating, assessing, and underwriting credit proposals for construction/project finance (e.g., real estate developers, contractors, infrastructure companies). The role includes detailed financial analysis, risk assessment, and ensuring adherence to internal and regulatory credit policies.

Key Responsibilities:

Credit Assessment & Underwriting

  • Evaluate credit proposals from real estate developers, infrastructure firms, and construction contractors.
  • Analyze financial statements, project cash flows, promoter background, market potential, and business viability.
  • Conduct due diligence, including legal, technical, and site visits in coordination with relevant teams.
  • Prepare detailed credit appraisal notes and present to sanctioning committees.
  • Structure deals with appropriate covenants, terms, and risk mitigants.
  • Ensure timely decision-making in line with defined TATs (Turnaround Times).

Risk Management

  • Monitor portfolio quality and identify early warning signals (EWS).
  • Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines.
  • Assist in periodic portfolio reviews and stress testing.
  • Recommend and implement risk mitigation measures (e.g., escrow, DSRA, security perfection).

Stakeholder Management

  • Work closely with the business team to understand deal dynamics and provide credit structuring support.
  • Coordinate with legal, technical, and valuation teams for comprehensive appraisal.
  • Liaise with external agencies (CAs, valuers, legal firms) for verification and reports.

Documentation & Compliance

  • Ensure proper documentation and post-sanction compliance (e.g., charge creation, disbursal conditions).
  • Review legal and technical reports and ensure alignment with credit conditions.
  • Maintain MIS, audit compliance, and respond to internal/external audit queries.

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