Credit Analyst Real Estate

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai seeks a meticulous Credit Analyst to support CRE lending through financial analysis, underwriting support, and ongoing portfolio monitoring within real estate.

You will assess cash flows, project viability, and borrower risk, and prepare credit notes and MIS for senior review while coordinating with legal, valuation agencies, and risk teams.

Qualifications

• CA / MBA / CFA or equivalent qualification required.
• 26 years of experience in credit underwriting / risk assessment in NBFC / Bank / FINANCIAL INSTITUTION; CRE exposure preferred.
• Strong financial modelling, cash flow analysis, and MS Excel proficiency.
• Excellent report-writing and presentation skills.

Responsibilities

• Credit Evaluation: analyse detailed financials including cash flow, project viability and borrower risk in CRE.
• Financial Due Diligence: review balance sheets, P&L, bank statements and project cash flows to assess creditworthiness.
• Underwriting Support: prepare structured credit notes highlighting risks, mitigants and rationale.
• Portfolio Monitoring: track loan performance, monitor covenants, flag warnings and assist reviews.
• Industry & Market Analysis: monitor CRE market trends and regulatory developments affecting risk.
• Reporting & Documentation: prepare credit appraisal reports, MIS and risk summaries for senior reviewers.
• Regulatory & Policy Compliance: ensure proposals comply with internal policies and regulations.
• Stakeholder Coordination: work with business, legal, valuation agencies and internal teams.

Skills

Financial modelling

Cash flow analysis

Credit underwriting

Analytical skills

Communication

Education

CA / MBA (Finance) / CFA

Tools

MS Excel

MS PowerPoint

Job description

Credit Analyst Real Estate (CRE)

Location: Mumbai

Position Overview:

We are looking for a detail-oriented Credit Analyst to support the Credit team in evaluating and managing commercial real estate (CRE) lending proposals. The role involves financial analysis, underwriting support, credit note preparation, and ongoing portfolio monitoring within the real estate segment.

Key Responsibilities:

Credit Evaluation:

Assist in detailed financial analysis including cash flow assessment, project viability review, and borrower risk profiling in the CRE sector.

Financial Due Diligence:

Analyze balance sheets, P&L statements, bank statements, project cash flows, and assess creditworthiness of borrowers.

Underwriting Support:

Prepare structured credit notes highlighting key risks, mitigants, security structure, and recommendation rationale.

Portfolio Monitoring:

Support tracking of loan performance, monitor financial covenants, flag early warning signals, and assist in periodic reviews.

Industry & Market Analysis:

Track real estate market trends, micro-market dynamics, regulatory developments, and sector-specific risks.

Reporting & Documentation:

Prepare credit appraisal reports, internal MIS, risk summaries, and presentations for review by senior credit members.

Regulatory & Policy Compliance:

Ensure proposals comply with internal credit policies and applicable regulatory guidelines.

Stakeholder Coordination:

Coordinate with business teams, legal, valuation agencies, and other internal stakeholders for smooth evaluation and processing.

Key Skills & Qualifications:

• Education: CA / MBA (Finance) / CFA or equivalent qualification.
• Experience: 26 years of experience in credit underwriting / risk assessment within NBFC / Bank / Financial Institution (exposure to CRE preferred).
• Technical Skills: Strong financial modelling, cash flow analysis, and proficiency in MS Excel.
• Analytical Skills: Ability to evaluate borrower strength, project risks, and structuring aspects.
• Communication: Strong report-writing and presentation skills.