Manager - Credit - Construction Finance
Location
Secunderabad | India
Job description
Tata Capital Ltd is looking for Manager - Credit - Construction Finance to join our dynamic team and embark on a rewarding career journey
- Credit Risk Assessment:Evaluate the creditworthiness of potential construction finance clients by reviewing financial statements, credit reports, project feasibility studies, and other relevant documents
- Conduct thorough risk analysis to identify potential pitfalls and challenges related to the construction industry and individual projects
- Determine appropriate credit limits, terms, and pricing structures based on risk assessment
- Portfolio Management:Monitor the credit portfolio of existing construction finance clients, conducting periodic reviews to assess ongoing credit risk
- Proactively identify emerging credit issues and work with Relationship Managers to develop appropriate risk mitigation strategies
- Collaborate with internal teams to ensure timely and accurate reporting of credit exposure and portfolio performance
- Due Diligence:Lead due diligence efforts for construction finance transactions, including site visits, project inspections, and collateral valuation
- Validate project feasibility, construction timelines, and budgets to ensure accurate risk evaluation
- Liaise with Legal and Compliance teams to ensure adherence to regulatory and internal guidelines
- Cross-Functional Collaboration:Work closely with Relationship Managers to structure financing solutions that align with client needs and risk appetite
- Collaborate with Underwriting and Legal teams to ensure accurate and comprehensive credit documentation
- Provide expertise and insights during credit committee meetings to guide credit approval decisions
- Industry Knowledge:Stay informed about industry trends, market dynamics, and regulatory changes affecting the construction finance sector
- Continuously update and refine credit policies and procedures based on evolving market conditions
- Team Leadership and Development:Mentor and coach junior team members, fostering their professional growth and development
- Conduct training sessions and workshops to enhance the credit assessment skills of the team
Job tags
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