Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Lucknow; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Junior Credit Analyst to evaluate creditworthiness in Commercial Real Estate, perform cash-flow analyses, and monitor loan portfolios.

You will review financial statements, assess risks, and prepare concise reports for senior management, ensuring regulatory compliance. The role requires strong Excel-based modeling, deep knowledge of credit analysis, and excellent communication for presenting findings.

Qualifications

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

Responsibilities

• Credit evaluation including cash flow and risk profiling.
• Financial due diligence of balance sheets and P&L statements.
• Portfolio monitoring and risk flagging.
• Industry and market analysis of CRE trends.
• Prepare credit reports and risk assessments for senior management.
• Ensure compliance with internal policies and regulatory guidelines.
• Coordinate with business teams, credit committees, and external agencies.

Skills

Financial modeling

Credit analysis

MS Excel

Analytical skills

Report writing

Presentation

Communication

Education

CA

MBA (Finance)

CFA

Equivalent

Tools

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