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Conduct detailed credit assessment of credit applications seeking financing for large residential and/or commercial real estate. The key purpose is to determine whether the borrower is eligible for financing and the requested credit facility is in line with the bank’s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC).

• Review, Analyses & Recommend loan proposals keeping in mind the approved credit policies, procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
• Given the High Net worth and sensitive nature of the clientele, actively engage with the senior business counterparts (Area Managers/Executive Directors etc) to ensure that the proposed facility is adequately structured to meet the clients’ expectations within the bank’s underwriting standards. 
• Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.
• Adhere to & comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth & methodical manner
• Exhibit consistency with organization’s values and ethics at all times to demonstrate a value driven culture within the bank.
• Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.
• Have in-depth understanding of regulatory and internal retail bank policies.
• Exhibits good communication & writing skills when preparing & submitting credit proposals to approving authorities within the Bank.
• Analyses Client’s financial statements - Bank statements and /or Audited financial Statements/Rental Roll Report/ Collateral Details etc, look into client’s credit history/credit reports/ system checks to meet bank’s lending standards.
• To work out the credit rating of the customer as per the bank’s credit rating portal.
• Ensure completeness & correctness of documentation in order to avoid fraud and/or delinquency in the future.
• In depth analysis of all loan related borrower’s/Property financial ratios like turnover ratios, debt service coverage ratio in order to ensure error free underwriting and ensuring that the loan amount proposed is in line with TM-RAC.
• Review & analyses restructure requests given by the existing loan customers and recommend in line with the bank’s policy/TM-RAC.
• To review the excess rental release request of the clients after reviewing the rental register and building savings account.
• To work in co-ordination with the monitoring team and take up with business in case of noncompliance of terms and conditions.
• Review deferral/waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.
• Process of loan applications and service requests efficiently and within the agreed SLA’s.
• Ensure completion of the required MIS as required on an ongoing basis.
• Ensure that the all approved loans and proposal related documents are complete and shared in the public folder to safeguard any missing or misplaced documents.
• Uploading received cases in the Tracker and ensuring it is updated on daily basis.
• To be able to work in pressure conditions without compromising on the credit underwriting quality.
• To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.

Qualification: 

• Minimum Education required: Minimum Bachelor’s degree preferably in Finance/Banking/ Commerce.

Experience:

• Minimum 10 years in Credit and/or Banking experience