ey Responsibilities:Credit Appraisal:Conduct detailed credit assessment of real estate developers/projects.Analyze financial statements, project viability, cash flows, promoter background, and overall creditworthiness.Evaluate legal, technical, and market risk reports related to the proposed project.Due Diligence:Coordinate with legal, technical, and valuation teams for property/project evaluation.Ensure compliance with internal policies and regulatory requirements.Perform site visits as part of pre-sanction and post-sanction monitoring.Policy Adherence:Ensure all proposals are in line with company’s credit policy and risk appetite.Recommend deviations only with adequate justification and risk mitigants.Sanction & Documentation:Prepare detailed credit appraisal memos for sanctioning authorities.Monitor documentation and post-sanction compliance before disbursement.Portfolio Monitoring:Monitor the health of the existing loan portfolio through regular reviews.Identify early warning signals and initiate corrective actions.Stakeholder Management:Liaise with sales, legal, technical, and operations teams to ensure end-to-end execution of deals.Engage with external stakeholders such as customers, valuers, advocates, and due diligence agencies.
