Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; New Delhi; On-site; INR 700,000 - 900,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai is seeking a seasoned Junior Credit Analyst for Commercial Real Estate to evaluate credit risk, analyze cash flows and support underwriting decisions.

The role requires strong Excel modeling, clear reporting, and collaboration with credit committees to monitor portfolios and ensure regulatory compliance. Excellent communication and documentation skills are essential.

Qualifications

• CA, MBA (Finance), CFA or equivalent.
• 5-10 years in credit risk assessment, financial analysis, and loan structuring.
• Strong financial modeling, credit analysis, and proficiency in MS Excel.

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

Risk assessment

Loan structuring

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