Credit Analyst Real Estate

Intellectual Capital HR Consulting Pvt. Ltd.; Nagpur District; In loco; INR 900.000 - 1.300.000; Tempo pieno

Descrizione del lavoro

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a detail-oriented Credit Analyst to support CRE lending decisions in Mumbai, focusing on financial analysis, underwriting support, and portfolio monitoring.

The ideal candidate will have CA/MBA/CFA or equivalent, and extensive experience in credit underwriting within NBFC/Bank environments, with strong Excel modelling and risk assessment capabilities. The role will involve evaluating borrowers, preparing credit notes, monitoring covenants,

Competenze

• CA / MBA (Finance) / CFA or equivalent qualification.
• 26 years of experience in credit underwriting / risk assessment within NBFC / Bank / Financial Institution (exposure to CRE preferred).
• Strong financial modelling and cash flow analysis skills.
• Experience in NBFC / Bank / Financial Institution with CRE exposure.

Mansioni

• Credit evaluation including cash flow assessment and borrower risk profiling for CRE.
• Financial due diligence on balance sheets, P&L, bank statements and project cash flows.
• Prepare structured credit notes with risks, mitigants, and rationale.
• Monitor loan performance and covenants; flag early warning signals.
• Track real estate market trends and regulatory developments.
• Prepare credit appraisal reports and MIS for senior review.
• Ensure proposals comply with internal policies and regulatory guidelines.
• Coordinate with business teams, legal, valuation agencies and internal stakeholders.

Conoscenze

Financial modelling

Cash flow analysis

MS Excel

Analytical skills

Communication

Formazione

CA / MBA (Finance) / CFA or equivalent

Descrizione del lavoro

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.