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Construction Finance - Sales Profile, Chartered Accountant

0 - 2 yrs
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5,50,000 - 6,00,000 PA. Openings: 1 Posted 30+ days ago Job Applicants: 4000+ Job Views: 12000+

Job Description

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    To Enable Real Estate Developers and Builders to raise 'Construction Finance for their residential projects.

    Major Deliverables:

    Source New Relationships, Loan Originations and manage the varied needs / requirements of real estate developers & builders, comprising of :

    - Construction Finance

    - Structured Finance

    - Builder Lease Rental Discounting

    - Project Finance

    - The job responsibility also includes Credit, Legal and Technical Evaluation of a real estate project.

    - Create and manage progressive relationships with Builders / Developers, Real Estate Intermediaries, Real Estate Brokers, International Property Consultants, Real Estate Funds and various Industry Experts for creating dynamic database of contacts and data sources relevant to the real estate market.

    - Develop expertise on real estate project evaluation, structuring and credit & technical analysis
    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:

    - Preparation, Discussion, and Closure of Transaction Finance Document

    - Appointment of Lenders Consultant (Lenders Engineer, Lenders Insurance Agent, Lenders Legal Counsel) for Evaluation of Project document etc. and Checking of Insurance Policy

    - Compliance of all Pre-Commitment condition and Pre-disbursement Condition

    - Complete the process of security creation and perfection, compliance, and disbursement
    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 :

    - Collection of receivables in escrow account and monitoring of expenses towards construction of project funded.

    - Actively tracking client performance

    - Management of stressed assets

    - Ensure compliance of covenants

    - Project Site Visit

    - Regular meeting with all the stakeholders

    - Regular review of periodic reports prepared by Bank Valuers & Credit team.

    - Regular interaction with other Lenders (Financial Institution who are co-lender or lent for other projects) to keep a tap on financial health of the Borrower, Payment track record and rating maintained by other financial institution.

    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.

Salary: INR 5,50,000 - 6,00,000 PA.

Industry: Banking, Financial Services, Broking

Functional Area: Sales , Retail , Business Development

Role Category:Retail Sales

Role:Sales/Business Development Manager

Employment Type: Permanent Job, Full Time



UG: B.Com - Commerce


Company Profile:

DCB Bank Limited,

DCB Bank Limited,
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Job Posted by

ALIM KHAN Company Recruiter DCB Bank Limited Mumbai


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