Kotak Bank/Credit Analyst-Real Estate/Mumbai

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 sheets
 Checking 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/Knowled
ge
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  Internal Group