Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Chandigarh; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Bangalore seeks a Junior Credit Analyst to evaluate credit risk in the commercial real estate sector. You will perform cash-flow analysis, due diligence, and monitoring to ensure prudent lending decisions.

The role requires 5–10 years in credit risk assessment, strong Excel modelling, and excellent report writing. Collaboration with credit committees and business teams is essential for accurate risk evaluations.

Qualifications

• CA/MBA/CFA or equivalent required.
• 5–10 years in credit risk assessment and loan structuring.
• Strong financial analysis and modeling skills.
• Excellent written and verbal communication.

Responsibilities

• Credit Evaluation: conduct cash flow assessments and risk profiling of CRE borrowers.
• Financial Due Diligence: review balance sheets, P&L, and creditworthiness.
• Portfolio Monitoring: track loan performance and flag risks.
• Industry & Market Analysis: stay updated on CRE trends and regulatory changes.
• Reporting & Documentation: prepare credit reports and risk assessments for management.
• Regulatory Compliance: ensure adherence to internal policies and guidelines.
• Stakeholder Coordination: collaborate with business teams and credit committees.

Skills

Financial modeling

Credit analysis

Analytical thinking

Report writing

Education

CA

MBA (Finance)

CFA

Tools

MS Excel

Job description

Job Title - Junior Credit Analyst - Commercial Real Estate

Location: Bangalore

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