Credit Analyst- Construction Finance- Mumbai (G.)

• Credit Appraisal & Underwriting

• Analyze loan proposals from builders, developers, and real estate companies.
• Conduct detailed due diligence on financials, project cash flows, repayment capacity, and collateral.
• Prepare Credit Appraisal Memorandums (CAM) and recommend credit limits in line with risk appetite.
• Risk Assessment & Monitoring

• Evaluate project feasibility, approvals, land titles, and legal documentation.
• Identify key risks (market, execution, regulatory) and propose mitigants.
• Conduct regular portfolio monitoring, review early warning signals, and track project progress.
• Market & Sector Analysis

• Keep track of real estate sector developments, demand–supply dynamics, and pricing trends.
• Benchmark proposals against market peers and internal lending norms.
• Stakeholder Management

• Liaise with business teams, legal, technical, and risk partners for end-to-end assessment.
• Present proposals to the Credit Committee and defend recommendations.
• Compliance & Governance

• Ensure adherence to internal credit policies, RBI/NBFC regulations, and audit guidelines.
• Maintain proper credit files, documentation, and data accuracy.

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