Credit Analyst CRE

Intellectual Capital HR Consulting Pvt. Ltd.; Surat; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Bangalore seeks a Junior Credit Analyst for Commercial Real Estate to support lending decisions through rigorous financial analysis and cash-flow modeling.

Responsibilities include credit evaluation, due diligence, portfolio monitoring, market analysis, and reporting to senior management; ensuring regulatory compliance and effective stakeholder coordination. The ideal candidate has 5–10 years in credit risk, with CA/MBA Finance/CFA or equivalent

Qualifications

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

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

Risk assessment

Communication

Education

CA

MBA (Finance)

CFA

equivalent

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