Credit Analyst - Commercial Real Estate

Credit Analyst - Commercial Real Estate

Position Overview :

Looking for an experienced Senior Credit Manager to support the Credit & Risk team in assessing and managing credit applications for commercial real estate lending. The ideal candidate will have a strong foundation in financial analysis, credit assessment, credit notes, credit underwriting and risk evaluation, with experience working in the NBFC or banking sector.

Location : Mumbai

Key Responsibilities

Credit Evaluation : Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector.

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 & Market Analysis : Stay updated on CRE market trends, regulatory changes, and industry developments.

Reporting & Documentation : Prepare credit reports, risk assessments, and internal presentations for senior management review.

Regulatory Compliance : Ensure adherence to internal policies and regulatory guidelines for credit underwriting.

Stakeholder Coordination : Work closely with business teams, credit committees, and external agencies for smooth credit evaluation.

Key Skill & Qualifications

• Education : CA, MBA (Finance), CFA, or equivalent.
• Experience : 5-10 years in credit risk assessment, financial analysis, and loan structuring.
• Technical Skills : Strong financial modeling, credit analysis, and proficiency in MS Excel.
• Analytical Expertise : Ability to assess financial risks, borrower credibility, and loan structuring strategies.
• Communication : Excellent report-writing and presentation skills.