Source New Relationships, Loan Originations and manage the varied needs / requirements of real estate developers & builders, comprising of :
To be part of the team that originates new business and carries out detailed appraisal and due diligence of the project/proposal (Technical/Financial/Legal/Regulatory etc) and prepares a customized Appraisal Note on case by case basis and make a convincing pitch of the proposal to the Top Management and Credit Committee
Post sanction of the proposal and issue of Sanction Letter, Coordinate and close transactions & related documents with Internal department such as Legal, Risk, Compliance, Accounts and external entities such as banks, legal counsel, and clients by performing following responsibilities:
Portfolio Management :
Post signing of the Financing Document, active monitoring of the project on a continuous basis with regular engagement/ interaction with External stakeholders viz. Client, Owners Engineer, Lenders Consultant, Financial Institutions and Internal stakeholders viz. Risk and Asset Management, Finance, and Legal team.
Key responsibilities :
Financial Dimensions :
Portfolio Management, Revenue and Profit : Managing a portfolio of 12 clients with total portfolio size of Rs 150 – 200 Crore. This would yield a revenue and PAT of Rs 25 Crore and Rs 20 Crore respectively.
Disbursement: Responsible for net disbursement target of ~ Rs 150 Crore per annum based on regional business plan.
Sanction (Business Pipeline) : Responsible for sanctioning new loans of Rs 200 Crore – 300 Crore per annum with ticket size ranging from Rs 5 Crore – Rs 25 Crore.
Fee Based Income: Responsible for achieving fee based income (processing fee & cross selling):- Rs 2 Crore- 3 Crore per annum.
Portfolio Quality: Ensure balance between disbursement/asset growth target and portfolio quality above particular rating levels and managing stress and non-performing assets below acceptable level.