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Credit analyst / Senior analyst (Finance & Accounts)/ 1344 days ago

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Job Preference:

• Person from Real Estate Finance or previous work experience in same profile.         
• Strong communication & relationship skills.
• Ability to negotiate & close deals.
• Analytical bent of mind & comfortable with numbers.

Qualification:

Job Description:

• Collecting all documents required for the process of loan from the customer like KYC documents, Income Tax Returns, financial statements, business banking record etc.
• Scrutiny of all documents given by the customer regarding loan like KYC documents, Income Tax Returns, financial statements, business banking record etc. 
• Meet the customer and look the project site/ Security.
• Checking information about Customer on ROC, online and on RERA Website for the proposed Project/ Proposal.
• Should have good understanding of financial statement and understanding different financial ratios.                
• Should be able to make and prepare cash flow/ CMA Data/ Cash flow projection and also calculate different financial ratios.                                                                                                                                                                

Evaluation of Project/Proposal on various parameters like :

1. Saleability, Approval and construction status of the project. 
2. Evaluation of Viability of the project.
3. Evaluation of financial strength of the borrower/group.
4. Evaluation of project/Security from legal and technical prospective.
5. Structuring the loan according to the requirement of the Customer and projected cash-flows.

• Collecting all the details from the customer which is required by different Banks/ Financial institute for the processing of the proposal
• Understanding the Customer requirement and structuring the Proposal accordingly
• Preparing of the Project Report/ information memorandum basis on the details and Document collected from the customer which comprises of Profile of customer, Project Details/ Security details with feasibility/Eligibility, Sensitivity analysis & projected Cash flow
• Coordinating with banks/ Financial Institution for the appraisal of the loan.
• Helping Customer Post sanction in completion of documentation and disbursement process by adhering the sanction terms and conditions of the banks/ Financial Institution.