Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai is seeking a Junior Credit Analyst for Commercial Real Estate to perform detailed credit evaluations, financial analyses, and risk profiling of borrowers across CRE projects.

The role involves reviewing financial statements, monitoring loan performance, and preparing clear credit reports for senior management. Strong Excel skills, analytical mindset, and polished communication are essential; 5–10 years of relevant experience is preferred.

Qualifications

• 5–10 years of experience in credit risk assessment and financial analysis.
• Strong financial modeling and credit underwriting skills.
• Proficiency in MS Excel and data interpretation.
• Ability to assess borrower credibility and loan structuring strategies.
• Excellent report writing and presentation abilities.

Responsibilities

• Conduct financial analysis and cash flow assessments for CRE borrowers.
• Review balance sheets and P&L for creditworthiness.
• Monitor loan portfolios and flag potential risks.
• Analyze CRE market trends and regulatory developments.
• Prepare credit reports and risk assessments for management.
• Ensure compliance with internal policies and credit underwriting guidelines.
• Coordinate with business teams and credit committees.

Skills

Financial modeling

Credit analysis

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