Job Description
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/Knowledge 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 Companies
Internal Group
External Banks/HFCs/NBFCs/Real Estate Private Equity funds etc.
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/Knowledge 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 Companies
Internal Group
External Banks/HFCs/NBFCs/Real Estate Private Equity funds etc.
💡 Quick Summary
Seeking a career-building opportunity? The Team Member-SUPPORT SERVICES-Credit position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
