Credit Analyst - Real Estate

Responsibilities :

• Conduct credit appraisal for real estate clients for fund-based exposures such as working capital, overdraft / cash credit, term loans, and non-fund-based exposures such as letters of credit and bank guarantees.
• Prepare detailed proposal notes and ensure clearance from credit sanctioning committees.
• Meet clients, evaluate prospective customers and markets, understand client requirements, and structure proposals / deals within bank credit guidelines and programs.
• Monitor economic and industry developments, as well as client financial parameters, to detect potential risk triggers or stress signs and take mitigation measures.
• Perform detailed credit and background reference checks on all prospective clients.
• Make presentations to sanctioning committees for sanctions and approval of credit files in line with bank policies.
• Jointly monitor portfolio with account relationship teams based on early warning systems.
• Prepare risk / rating sheets and make recommendations to approving committees.
• Approve cases within delegated powers.
• Monitor portfolio on an ongoing basis for early warning signals.

Skills Required

Credit Appraisal, real estate financing