Junior Credit Analyst

Job Description

Role & responsibilities Job Title Junior Credit Analyst Position Overview: company is looking for an experienced Junior Credit Analyst 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: Bangalore 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. 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: 3 -5 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.