Credit Analyst

Role & responsibilities

• Credit Analysis: Review financial statements, credit reports, property appraisals, and other relevant data to assess the financial health of borrowers and the viability of real estate projects.
• Debt Structuring and Syndication: Design loans that suit the borrower's needs, prepare loan agreements and terms, collaborate with other lenders to share the loan.
• Due Diligence: Perform due diligence on potential borrowers and properties, including site visits, legal document reviews, and title searches.
• Credit Risk Assessment: Use financial ratios, market trends, and industry benchmarks to evaluate the likelihood of a borrower's ability to repay a loan, considering factors such as debt-to-income ratio, property value, and cash flow.
• Risk Identification and Mitigation: Identify and assess credit risks, implementing strategies to minimize exposure and ensure sound credit decisions.
• Financial Modelling: Develop and maintain financial models to assess borrowers' creditworthiness, perform risk analysis, evaluate credit metrics, and provide insights for credit decision-making and portfolio management.
• Market Research: Stay updated on local real estate market trends, property values, and economic conditions to inform credit decisions.
• Portfolio Monitoring: Regularly monitor existing loan portfolios to identify potential credit risks and take necessary actions to mitigate them.
• Prepare and Review Credit Memos: Draft detailed credit memos that summarize financial analysis, creditworthiness assessments, and recommendations for loan approval or denial, ensuring clear documentation of credit decisions.
• Ensure Accuracy in Credit Notes: Issue credit notes or adjustments as required, ensuring proper documentation and alignment with contractual terms and conditions.
• Communication and Collaboration: Effectively communicate credit analysis findings to internal stakeholders, including loan officers, senior management, and legal teams.

Preferred candidate profile

• Financial Analysis: Understands financial statements, ratios, and modelling techniques.
• Real Estate Knowledge: Knows about the real estate market, property values, and legal aspects of transactions.
• Credit Analysis Skills: Can assess credit risk, spot issues, and understand credit reports.
• Analytical Thinking: Good at analysing and making sense of complex data.
• Communication Skills: Able to clearly explain financial information, both in writing and speaking.
• Attention to Detail: Pays close attention to details to ensure accuracy in credit analysis.
• Minimum 2 years of experience in real estate finance or Freshers can also apply.