Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a capable Junior Credit Analyst for our Commercial Real Estate team in Mumbai. You will evaluate borrower credit, analyze cash flows, and support risk assessments for CRE exposures.

The candidate should have 5–10 years in credit risk, CA/MBA/CFA qualifications, and strong Excel modeling. You will prepare reports for senior management and coordinate with stakeholders to ensure robust underwriting.

Qualifications

• CA, MBA (Finance) or CFA required or equivalent.
• 5–10 years in credit risk assessment and financial analysis.
• Strong financial modeling and credit analysis skills.
• Proficiency in MS Excel essential.
• Excellent report writing and presentation abilities.

Responsibilities

• Credit Evaluation: conduct financial analysis including cash flows and risk profiling.
• Financial Due Diligence: review balance sheets, P&L, 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

Financial modeling

Credit analysis

Analytical expertise

Communication

Education

CA

MBA (Finance)

CFA

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