Credit Analyst Real Estate

Intellectual Capital HR Consulting Pvt. Ltd.; New Delhi; Presencial; INR 1 400 000 - 2 400 000; Tempo integral

Resumo da oferta

Intellectual Capital HR Consulting Pvt. Ltd. seeks a meticulous Credit Analyst to support the CRE credit function in evaluating real estate lending proposals. The role involves financial analysis, due diligence, underwriting support, and ongoing portfolio monitoring within the real estate segment.

The ideal candidate will have CA/MBA (Finance) or CFA, and extensive experience in credit underwriting in NBFC/bank environments, with strong MS Excel and analytical skills.

Qualificações

• CA/MBA (Finance) or CFA or equivalent.
• 26 years of experience in credit underwriting/risk assessment in NBFC/Bank/Financial Institution, CRE exposure preferred.
• Strong financial modelling and cash flow analysis.
• Excellent report writing and presentation skills.

Responsabilidades

• Assist in credit evaluation and risk profiling for CRE proposals.
• Conduct financial due diligence: balance sheets, P&L, cash flows.
• Prepare structured credit notes with risks, mitigants and rationale.
• Support portfolio monitoring and covenant tracking.
• Track real estate market trends and regulatory developments.
• Prepare credit appraisal reports and MIS for senior review.

Conhecimentos

Financial modelling

Cash flow analysis

MS Excel

Analytical skills

Communication

Formação académica

CA

MBA (Finance)

CFA

Ferramentas

MS Excel

Descrição da oferta de emprego

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.