Credit Analyst CRE

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Junior Credit Analyst for Commercial Real Estate in Bangalore to perform credit evaluation, due diligence, and portfolio monitoring. You will prepare reports, assess borrower credibility, and support credit committees with risk insights.

The role requires 5–10 years in credit risk assessment, strong financial modeling and MS Excel skills, and excellent report-writing and presentation abilities for senior management.

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.

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.

Skills

Financial modeling

Credit analysis

MS Excel

Financial risk assessment

Report writing

Presentation

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