Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Jaipur; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Junior Credit Analyst for Commercial Real Estate in Mumbai.

You will evaluate creditworthiness, analyze cash flows, review financial statements, and support risk profiling for CRE borrowers to help shape lending decisions. The role requires 5–10 years in credit risk assessment, strong financial modeling and Excel skills, and excellent report-writing abilities.

Qualifications

• 5-10 years in credit risk assessment, financial analysis, and loan structuring.
• Strong financial modeling, credit analysis, and proficiency in MS Excel.
• Excellent report-writing and presentation skills.

Responsibilities

• Credit evaluation including cash flow analysis and borrower risk profiling.
• Financial due diligence on balance sheets and P&L.
• Portfolio monitoring and risk flagging for loan performance.
• Industry and market analysis of CRE trends and regulatory changes.
• Prepare credit reports and risk assessments for senior management.

Skills

Financial modeling

Credit analysis

MS Excel

Analytical thinking

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