Green Leaf Consultants
Location
Mumbai | India
Job description
Profile Name :
Sr. Credit Resource & Analyst Location : Prabadevi Mumbai CTC : upto 12 Lac Exp : credit background with 8 to 10 years’ experience Essential Qualification: 2+ years of experience in real estate or project funding CA/MBA Credit Underwriting Must carry a deep understanding of the drivers of real estate and factors affecting the risks of lending to this segment Key responsibilities: Credit Appraisals: Assessment of credit worthiness of potential customers. Assess customers as per the credit policy, determine deviation and recommend decision on deals. Manage the HIGH Value (Around 5 Cr+) post sanction and pre-disbursement Prepare CAM reports: Preparation of term sheet, credit appraisal memo, business model including cash flow and presentation at various forums with in stipulated timeline. Evaluate the financial status of the borrower and assess the credit worthiness of the companies by analysing financial data like Balance sheet, Cash flow statement etc. Periodically monitoring progress, through financials, sales and collection progress, approval status, construction status etc. Conduct periodic reviews of the outstanding advance portfolio, including tracking of progress and conditions at the time sanctions. Initiate appropriate actions or escalations at the time of sanction Develop and maintain credit risk strategy Oversee and initiate follow-ups with external vendors (FI, Legal and Technical Valuation) to ensure timely query resolution/report submission and eliminate any undue/non- process related delays Assist compliance team in regular audits and other data points Ensure collection of post disbursal docs and reduction in partly disbursed cases Key Skills: Financial Modelling/Cash flow Preparation Analysis of various factors specific to Real estate Cash flow analysisJob tags
Salary
