Credit Analyst Real Estate

Intellectual Capital HR Consulting Pvt. Ltd.; Jaipur; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a detail-oriented Credit Analyst (CRE) in Mumbai to support underwriting and portfolio monitoring for commercial real estate lending. You will evaluate cash flows, project viability and borrower risk, and prepare credit notes for senior review.

The role requires strong financial modelling, MS Excel expertise and excellent written communication. Collaboration with legal, valuation and business teams is essential.

Qualifications

• CA / MBA (Finance) / CFA or equivalent qualification.
• 26 years of experience in credit underwriting / risk assessment (CRE exposure preferred).
• Strong financial modelling, cash flow analysis and MS Excel proficiency.
• Excellent report writing and communication skills.

Responsibilities

• Assist in detailed financial analysis including cash flow assessment and borrower risk profiling for CRE.
• Analyze balance sheets, P&L, bank statements and project cash flows to assess creditworthiness.
• Prepare structured credit notes highlighting risks, mitigants and rationale.
• Support loan portfolio monitoring, covenants tracking and periodic reviews.
• Track real estate market trends and regulatory developments relevant to CRE.
• Prepare credit appraisal reports and MIS for senior credit review.
• Coordinate with business, legal and valuation teams to streamline evaluation.

Skills

Financial modelling

Cash flow analysis

MS Excel

Analytical skills

Communication

Education

CA / MBA (Finance) / CFA or equivalent

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.