Credit Analyst CRE

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai seeks a Junior Credit Analyst for Commercial Real Estate to evaluate credits, perform due diligence, and monitor loan portfolios. The role requires strong financial modeling, deep analytical abilities, and proficient Excel skills.

You will prepare detailed credit reports, support senior management with risk assessments, and ensure compliance with regulatory guidelines in a fast-paced CRE environment.

Qualifications

• CA, MBA (Finance) or CFA or equivalent required.
• 5-10 years in credit risk assessment and financial analysis.
• Strong financial modeling and credit analysis skills.
• Analytical ability to assess borrower credibility and loan structuring.

Responsibilities

• Conduct financial analysis including cash flow and risk profiling.
• Review balance sheets, P&L, and creditworthiness of borrowers.
• Monitor loan portfolio and flag risks; assist in credit monitoring.
• Stay updated on CRE market trends and regulatory changes.
• Prepare credit reports and risk assessments for management.
• Ensure compliance with internal policies and regulatory guidelines.
• Coordinate with business teams, credit committees, and external agencies.

Skills

Financial modeling

Credit analysis

Communication

Risk assessment

MS Excel

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