Credit Analyst– Construction Finance
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Job Summary
Job Description:
Credit Analyst- Construction Finance
Location: Mumbai - Prabhadevi
Department: Construction Finance
Reporting To: Head Credit-Construction Finance Construction Finance
Role Overview
The Credit Underwriter - Construction Finance will be responsible for evaluating analyzing and approving credit proposals related to construction and real estate financing. The role demands strong financial acumen risk assessment capabilities and expertise in underwriting structured credit for developers contractors and infrastructure projects.
Key Responsibilities
Credit Appraisal & Risk Assessment
o Evaluate and make construction finance proposals including developer loans project financing and structured credit facilities.
o Conduct detailed analysis of borrower financials project cash flows repayment capacity and collateral valuation.
Assess market risks regulatory compliance and project viability.
Credit Appraisal & Risk Assessment
Evaluate construction finance proposals including developer loans project financing and structured credit facilities.
Conduct detailed analysis of borrower financials project cash flows repayment capacity and collateral valuation.
Due Diligence & Documentation
Perform due diligence on legal technical and financial aspects of projects.
Review title documents approvals and statutory clearances.
Ensure compliance with internal credit policies and RBI/NBFC guidelines.
Portfolio & Risk Monitoring
Monitor sanctioned projects for progress fund utilization and repayment schedules.
Identify early warning signals and recommend corrective actions.
Maintain portfolio hygiene and minimize non-performing assets (NPAs).
Stakeholder Management
Collaborate with business teams legal technical and risk functions for end-to-end underwriting.
Present credit proposals to Credit Committee and senior management.
Liaise with external consultants valuers and auditors for project assessments
Desired Skills & Competencies
Knowledge of RBI circulation of project finance Oct 2025 in mandatory
Qualifications
MBA/CA/CFA or equivalent in Finance Accounting or related field.
5-10 years of experience in credit underwriting preferably in construction finance / real estate lending.
Exposure to NBFCs Banks or Housing Finance Companies will be an advantage.
Required Skills:
Credit Appraisal & Risk AssessmentDue Diligence & DocumentationPortfolio & Risk MonitoringStakeholder Management
