Overview
Key Responsibilities:
– Credit Strategy and Leadership: Lead credit risk assessments and execute strategies for loan approvals, risk mitigation, and portfolio management. Mentor the credit analysis team.
– Credit Risk Management: Define and implement credit risk policies. Ensure alignment with risk appetite and regulatory requirements.
– Team Management: Supervise, train, and develop credit analysts. Foster collaboration and continuous improvement.
– Loan Structuring and Syndication: Structure complex real estate loans. Work with lenders to syndicate loans as needed.
– Credit Assessment and Due Diligence: Oversee credit evaluations, financial reviews, and property appraisals. Ensure compliance with legal and regulatory requirements.
– Financial Modelling & Risk Analytics: Use advanced financial models to assess creditworthiness and risk exposure. Monitor financial metrics and market trends.
– Portfolio Oversight: Regularly review the loan portfolio and mitigate potential risks.
– Credit Memos & Reporting: Oversee credit memos, summarizing analysis and recommendations for loan decisions.
– Stakeholder Engagement: Collaborate with senior leadership, legal, and compliance teams to ensure alignment on policies and strategies.
– Market Intelligence & Trends: Stay updated on market trends, economic conditions, and regulations to inform credit decisions.
Education and Experience:
Minimum 7-10 years of experience in credit risk management or real estate finance, including significant experience leading teams.
CA/ MBA in Finance are highly preferred.