Team Member Credit & Risk-CORPORATE REAL ESTATE (CRE)-Credit Monitoring Group

Role: KMIL - Monitoring

Requirement: 2

Gender- Male/ Female both are preferred

Education Background- CA / MBA (preference would be MBA- Finance)

Experience level - 3 to 5 years (relevant experience not required)

Preferred profile- Risk team of retail or wholesale division of any Bank / NBFC. 

The Key profile of Monitoring & Policy Risk Analyst is to carry out Risk Assessments for Pan India CRE Lending Portfolio is laid down below for your reference.  

Key responsibilities include

• Implement effective risk management processes for the Construction Finance business verticals to identify potential risk in the underwritten portfolio and ensure portfolio health
• Carry out background research and gain a thorough understanding on the project, the developer and the regional market, highlighting any negative reports so as to ensure the quality of the invested portfolio. 
• Track the progress of the project and monitor disbursement as per the project lifecycle. Ensure that the disbursement milestones are achieved as per the underwritten sanctioned conditions. 
• Recommend policy amendments/ refinements based on regulatory and market changes 
• Undertake automation of existing processes by liaising with the IT department
• Prepare various dashboards and reports such as:
  • Monthly and quarterly portfolio monitoring report
  • Overdue Analysis
  • Early Warning Signals review
  • Deviation Analysis
  • Analytical Insights like Limit/ Renewal Management, Covenant/ PDD Management
  • Trends analysis of the regional Portfolio

Perform various monitoring activities such as 

• NOC issuance- Due diligence for the 
• Monitoring and instruct for Escrow SI Threshold 
• Map collections with the Escrow credits on regular intervals.