Credit Analyst Real Estate

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai seeks a detail-oriented Credit Analyst to support the CRE lending team.

You will perform financial analysis, underwriting support, credit note preparation, and ongoing portfolio monitoring within the real estate segment. Key responsibilities include evaluating borrower strength, conducting due diligence on financials, preparing structured notes, monitoring covenants, and reporting to senior credit members.

Qualifications

• CA / MBA (Finance) / CFA or equivalent qualification.
• 26 years of experience in credit underwriting / risk assessment in NBFC / Bank / FI (CRE exposure preferred).
• Strong financial modelling and cash flow analysis required.
• Proficient MS Excel and analytical reporting.
• Excellent written and presentation skills.

Responsibilities

• Evaluate borrower strength and project risk in CRE underwriting.
• Perform detailed financial due diligence on balance sheets and cash flows.
• Prepare structured credit notes with risks and mitigants.
• Monitor loan performance and financial covenants.
• Track real estate market trends and regulatory developments.
• Prepare credit appraisal reports and MIS for senior reviews.
• Ensure compliance with internal policies and regulatory guidelines.
• Coordinate with business teams, legal, and valuation agencies.

Skills

Financial modelling

Cash flow analysis

MS Excel

Risk assessment

Report writing

Presentation skills

Education

CA

MBA (Finance)

CFA

Tools

MS Excel

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.