Credit Analyst CRE

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai seeks a Junior Credit Analyst to perform financial analysis and credit evaluations for commercial real estate borrowers, contributing to risk assessment and underwriting processes across the CRE portfolio.

You will review balance sheets and P&L statements, monitor loan performance, prepare credit reports, and present findings to senior management, ensuring adherence to internal policies and regulatory guidelines.

Qualifications

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

Responsibilities

• Conduct credit evaluation and risk profiling for CRE borrowers.
• Review balance sheets, P&L statements, and creditworthiness.
• Monitor loan portfolio performance and flag risks.
• Analyze CRE market trends and regulatory changes.
• Prepare credit reports and internal presentations for reviews.
• Ensure adherence to internal policies and regulatory guidelines.
• Coordinate with business teams, credit committees, and external agencies.

Skills

Financial modeling

Credit analysis

Financial analysis

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