Senior Credit Analyst - Commercial Real Estate Segment - Financial Services

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, and risk evaluation, with experience working in the NBFC or banking sector.

Sector: Financial Services

Location: Mumbai - HO

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 Skills & 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.

- Location: Bangalore-based candidate preferred.