Senior Credit Manager - Commercial Real Estate

Intellectual Capital HR Consulting Pvt. Ltd.; Pune District; On-site; INR 1,800,000 - 2,900,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Senior Credit Manager to lead credit evaluation and risk assessment for its Commercial Real Estate book. You will perform cash flow analysis, review financial statements, and monitor loan portfolios while ensuring regulatory compliance.

The role requires strong modelling skills and proficiency in MS Excel, with coordination across credit committees and external agencies to drive sound lending decisions.

Qualifications

• Experience in credit evaluation and risk assessment for CRE borrowers.
• Strong financial due diligence including balance sheets and cash flow analysis.
• Portfolio monitoring and reporting to detect early warning signals.
• Industry analysis of CRE markets and regulatory developments.
• Ability to prepare credit reports and present risk assessments.
• Knowledge of regulatory guidelines for credit underwriting.
• Stakeholder coordination with business teams and credit committees.

Responsibilities

• Credit evaluation: financial analysis including cash flow assessments and risk profiling of CRE borrowers
• Financial due diligence: review balance sheets, P&L statements and 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

Skills

Credit evaluation

Financial due diligence

Portfolio monitoring

Industry analysis

Reporting

Regulatory compliance

Stakeholder coordination

Financial modelling

MS Excel

Tools

MS Excel

Job description

• An RBI-registered NBFC is hiring a Senior Credit Manager for its Commercial Real Estate book.

Key responsibilities:

• Credit evaluation: financial analysis including cash flow assessments and risk profiling of CRE borrowers
• Financial due diligence: review balance sheets, P&L statements and 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

We are looking for strong financial modelling and credit analysis skills, proficiency in MS Excel, and the ability to assess financial risk, borrower credibility and loan structuring strategies.