Credit Analyst – Bank – CA

COE Solution; Mumbai; On-site; INR 600,000 - 1,000,000; Full time

Job summary

A finance solutions company in Mumbai is seeking a Credit Analyst with 5-7 years of experience in commercial real estate. The ideal candidate will perform credit analysis, ensure compliance with policies, and prepare detailed reports. A Chartered Accountant or MBA is required, along with strong analytical, communication, and financial modeling skills. This role offers a dynamic working environment in a crucial area of finance.

Qualifications

• Desire and attitude for understanding real estate.
• Computer savvy with experience in analytical tools.
• Results-oriented individual with strong communication skills.

Responsibilities

• Conduct preliminary screening of real estate financing transactions.
• Prepare Credit & Risk Assessment Notes (CRAN).
• Monitor and highlight risks in loan portfolios.
• Ensure compliance with internal and external credit regulations.

Skills

Understanding of real estate

Proficient in Word, Excel, Access, PowerPoint

Financial modeling

Knowledge of finance and accounting

Excellent communication skills

Education

Chartered Accountant/MBA

Job description

Job Description:

Job Role:

Credit Analysis:

• Preliminary screening of commercial real estate financing transactions and structuring
• Interaction with in-house team (relationship, legal, technical and operations) to provide solution to clients in coordinated and timely manner.
• Interaction with client to understand their business model, organization structure and financing needs. Also resolution of queries and collection of information on ongoing basis
• Credit analysis & due diligence. Preparing Credit & Risk Assessment Notes (CRAN) for evaluating risk in borrower, transaction and underlying security and making initial recommendations
• Presenting the proposal to sanctioning authorities
• Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts
• Preparing term sheets
• Checking disbursements to ensure compliance with sanctioned terms

Credit Surveillance:

• Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client.
• Keeping update on real estate micro markets, real estate developers, regulations and general economy

Credit Administration:

• Ensuring the approvals are taken as per policies laid down and ensuring the internal polices on credit are not violated
• Ensuring and monitoring that no external regulations of lending as and when updated by the various institutions like RBI or other regulators are not violated
• Supervising and ensuring proper maintenance of credit files to avoid any operational risks

Job Responsibility : Credit Analysis & due diligence

Job Requirements:

• A desire & attitude for understanding of real estate is essential
• Computer savvy with experience in Word, Excel, Access, Power point and other analytical tools.
• Conversant with financial modeling
• Knowledge of finance, accounting, corporate & general law and taxation
• The individual in this position must be results oriented and must possess excellent oral and written communication skills

Educational Qualifications: Chartered Accountant/MBA

Experience Profile: At least 5-7 years of experience