Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Hyderabad; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Bangalore seeks a Junior Credit Analyst - Commercial Real Estate to conduct credit evaluation, financial due diligence, and portfolio monitoring for CRE borrowers.

The role requires CA, MBA (Finance), or CFA with 5–10 years of experience in credit risk analysis, financial modeling, and loan structuring, plus strong MS Excel skills and excellent report writing.

Qualifications

• Proficient in financial modeling and credit analysis.
• Strong written and verbal communication for reporting.
• Experience in loan structuring and risk assessment.

Responsibilities

• Credit Evaluation: Analyze cash flows and assess borrower risk for CRE.
• Financial Due Diligence: Review balance sheets and P&L statements to determine 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 internal presentations.
• Regulatory Compliance: Ensure adherence to internal policies and guidelines.
• Stakeholder Coordination: Collaborate with business teams and credit committees.

Skills

Financial modeling

Credit analysis

Communication

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