Tata Capital Ltd is looking for Manager - Credit - Construction Finance to join our dynamic team and embark on a rewarding career journey
Credit Risk Assessment:Evaluate the creditworthiness of potential construction finance clients by reviewing financial statements, credit reports, project feasibility studies, and other relevant documents
Conduct thorough risk analysis to identify potential pitfalls and challenges related to the construction industry and individual projects
Determine appropriate credit limits, terms, and pricing structures based on risk assessment
Portfolio Management:Monitor the credit portfolio of existing construction finance clients, conducting periodic reviews to assess ongoing credit risk
Proactively identify emerging credit issues and work with Relationship Managers to develop appropriate risk mitigation strategies
Collaborate with internal teams to ensure timely and accurate reporting of credit exposure and portfolio performance
Due Diligence:Lead due diligence efforts for construction finance transactions, including site visits, project inspections, and collateral valuation
Validate project feasibility, construction timelines, and budgets to ensure accurate risk evaluation
Liaise with Legal and Compliance teams to ensure adherence to regulatory and internal guidelines
Cross-Functional Collaboration:Work closely with Relationship Managers to structure financing solutions that align with client needs and risk appetite
Collaborate with Underwriting and Legal teams to ensure accurate and comprehensive credit documentation
Provide expertise and insights during credit committee meetings to guide credit approval decisions
Industry Knowledge:Stay informed about industry trends, market dynamics, and regulatory changes affecting the construction finance sector
Continuously update and refine credit policies and procedures based on evolving market conditions
Team Leadership and Development:Mentor and coach junior team members, fostering their professional growth and development
Conduct training sessions and workshops to enhance the credit assessment skills of the team
