Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Nagpur District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. invites applications for a Junior Credit Analyst specializing in Commercial Real Estate in Mumbai.

The role focuses on evaluating borrowers, performing cash flow analyses, and assessing credit risk across CRE transactions. The ideal candidate holds CA/MBA/CFA (or equivalent) with 5–10 years in credit risk, financial analysis, and loan structuring, and is proficient in MS Excel, capable of preparing clear credit reports and presentations for senior

Qualifications

• CA / CFA / MBA in Finance or equivalent required.
• 5-10 years of experience in credit risk assessment, financial analysis, and loan structuring.
• Strong financial modeling and credit analysis skills.
• Proficiency in MS Excel.
• Excellent report-writing and presentation abilities.

Responsibilities

• Conduct financial analysis and cash flow assessments for CRE borrowers.
• Review balance sheets, P&L, and borrower creditworthiness.
• Monitor loan portfolio and flag potential risks.
• Analyze CRE market trends and regulatory changes.
• Prepare credit reports, risk assessments, and presentations.
• Ensure adherence to internal policies and regulatory guidelines.
• Collaborate with business teams and credit committees.

Skills

Financial modeling

Credit analysis

Analytical thinking

Communication skills

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