01Responsibilities
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 companys 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. .
