Senior Credit Manager - Commercial Real Estate

Intellectual Capital HR Consulting Pvt. Ltd.; Kolkata District; On-site; INR 1,500,000 - 2,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in India is seeking a Senior Credit Manager for its Commercial Real Estate lending portfolio.

The role involves in-depth credit evaluation, financial due diligence, and active portfolio monitoring. You will analyze cash flows, assess borrower credibility, prepare reports for senior management, and ensure compliance with internal policies and regulatory guidelines. Strong Excel skills and financing modelling are essential.

Qualifications

• 5–10 years in credit risk assessment, financial analysis and loan structuring within NBFC or banking sector.
• Strong financial modelling and credit analysis skills.
• Proficiency in MS Excel.
• Ability to assess financial risk, borrower credibility and loan structuring strategies.
• Excellent report-writing and presentation skills.

Responsibilities

• Credit evaluation: financial analysis including cash flow assessments and risk profiling of CRE borrowers.
• Financial due diligence: review balance sheets, profit and loss statements and borrower creditworthiness.
• Portfolio monitoring: track loan performance and assist in credit monitoring processes.
• Industry and market analysis: stay current on CRE market trends and regulatory changes.
• Reporting and documentation: prepare credit reports, risk assessments for senior management.
• Regulatory compliance: ensure adherence to internal policies and regulatory guidelines for credit underwriting.
• Stakeholder coordination: work with business teams, credit committees and external agencies.

Skills

Credit risk assessment

Financial analysis

Loan structuring

MS Excel

Financial modelling

Risk profiling

Tools

MS Excel

Job description

An NBFC is hiring a Senior Credit Manager for its Commercial Real Estate lending book.

Key responsibilities:

• Credit evaluation: financial analysis including cash flow assessments and risk profiling of commercial real estate borrowers
• Financial due diligence: review balance sheets, profit and loss statements and the creditworthiness of potential borrowers
• Portfolio monitoring: track loan performance, flag risks and assist in credit monitoring processes
• Industry and market analysis: stay current on CRE market trends, regulatory changes and industry developments
• Reporting and documentation: prepare credit reports, risk assessments and internal presentations for senior management
• Regulatory compliance: ensure adherence to internal policies and regulatory guidelines for credit underwriting
• Stakeholder coordination: work with business teams, credit committees and external agencies

Candidate profile: 5-10 years in credit risk assessment, financial analysis and loan structuring within the NBFC or banking sector. Strong financial modelling and credit analysis skills, proficiency in MS Excel, and the ability to assess financial risk, borrower credibility and loan structuring strategies. Excellent report-writing and presentation skills.