Lead Analyst - Credit Risk Review - Commercial Real Estate

Crisil; Gurugram District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Crisil is seeking a candidate in Gurugram to conduct comprehensive reviews of borrowers across commercial loan portfolios. This role requires strong knowledge of U.S. banking laws and credit processes. Responsibilities include assessing credit quality and compliance with policies, analyzing borrower-specific information, and producing documentation for internal and external presentations. A CA/CPA/MBA Finance or Graduate in Finance is required. Excellent communication and project management skills are essential.

Responsibilities

• Conduct reviews of borrowers across a range of Commercial loan portfolios.
• Analyse borrower information including repayment capacity and legal documentation.
• Evaluate adherence to bank policies and regulatory guidance.
• Produce workpapers documenting review findings.

Skills

Knowledge of U.S. banking laws and regulations

Understanding of credit processes

Risk ratings and methodology

Experience performing credit risk reviews

Effective communication skills

Project planning and management skills

Education

CA/CPA/MBA Finance/Graduate in Finance

Job description

Responsibilities

• Conduct independent, high quality, comprehensive reviews of borrowers across a diverse range of Commercial loan portfolios (CRE and C&I preferred) to assess adequacy of credit quality, loan documentation, credit administration, collateral valuations, risk rating accuracy, and compliance with established policies
• Analyse and interpret borrower specific information, including an independent assessment of repayment capacity, covenant adherence, legal documentation, and industry risk
• Interpreting and applying regulatory feedback and requirements as well as bank policies and credit standards and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance
• Produce workpapers documenting review findings for internal presentation to bank management and external presentation to Line of Business partners and Regulatory review

Qualifications

CA/CPA/MBA Finance/Graduate in Finance (Accounting)

Skills

• Strong knowledge of U.S. banking laws and regulations, specifically those which pertain to commercial credit, underwriting, and credit department management
• Understanding of credit processes, such as loan origination and underwriting; credit policies; portfolio management; allowance for loan and lease losses; loan review and remediation
• Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus
• Demonstrated experience overseeing and performing credit risk reviews/loan reviews
• Effective communication skills and the ability to interact with all levels of management with limited supervision
• Working knowledge of project planning and project management methods and tools