Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Ahmedabad District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Junior Credit Analyst for Commercial Real Estate in Mumbai. The role focuses on evaluating borrowers, performing due diligence, and monitoring credit risk within CRE portfolios.

The ideal candidate will have 5–10 years of credit risk experience with strong financial modeling and Excel skills, and will contribute to reports for senior management.

Qualifications

• CA/MBA/CFA or equivalent qualification required.
• 5–10 years of credit risk assessment and financial analysis experience.
• Strong financial modeling and Excel proficiency.
• Excellent report-writing and presentation abilities.

Responsibilities

• Credit Evaluation: Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector.
• Financial Due Diligence: Review balance sheets, P&L statements, and creditworthiness of potential borrowers.
• Portfolio Monitoring: Track loan performance, flag risks, and assist in credit monitoring processes.
• Industry & Market Analysis: Stay updated on CRE market trends, regulatory changes, and industry developments.
• Reporting & Documentation: Prepare credit reports, risk assessments, and internal presentations for senior management review.
• Regulatory Compliance: Ensure adherence to internal policies and regulatory guidelines for credit underwriting.
• Stakeholder Coordination: Work closely with business teams, credit committees, and external agencies for smooth credit evaluation.

Skills

Education evaluation

Experience

Financial modeling

Analytical thinking

Communication

Education

CA

MBA (Finance)

CFA

Equivalent

Tools

MS Excel

Job description

Job Title - Junior Credit Analyst - Commercial Real Estate

Location: Mumbai

Key Responsibilities

• Credit Evaluation: Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector.
• Financial Due Diligence: Review balance sheets, P&L statements, and creditworthiness of potential borrowers.
• Portfolio Monitoring: Track loan performance, flag risks, and assist in credit monitoring processes.
• Industry & Market Analysis: Stay updated on CRE market trends, regulatory changes, and industry developments.
• Reporting & Documentation: Prepare credit reports, risk assessments, and internal presentations for senior management review.
• Regulatory Compliance: Ensure adherence to internal policies and regulatory guidelines for credit underwriting.
• Stakeholder Coordination: Work closely with business teams, credit committees, and external agencies for smooth credit evaluation.

Key Skill & Qualifications

• Education: CA, MBA (Finance), CFA, or equivalent.
• Experience: 5-10 years in credit risk assessment, financial analysis, and loan structuring.
• Technical Skills: Strong financial modeling, credit analysis, and proficiency in MS Excel.
• Analytical Expertise: Ability to assess financial risks, borrower credibility, and loan structuring strategies.
• Communication: Excellent report-writing and presentation