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Associate/Senior Associate - Credit Analytics (CRE US)

Bengaluru or Gurugram

ONGPL – Credit Analytics

Permanent - Full Time

At OakNorth, we’re on a mission to empower the UK’s most ambitious businesses. Since 2015, we’ve lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.

Job Responsibility

- Conducting detailed analysis of loan opportunities across all major property types, including Residential, Office, Retail, Industrial, Lodging, and Healthcare in UK and or/US
- Drafting credit reports with key takeaways on opportunity; report has to be concise, easy to read format for credit and risk to review and comment.
- Developing detailed financial model comprising transaction details, financial statement analysis, projections, ratio analysis, credit metrics, amongst others
- Conducting sensitivity analysis on projections – for stress testing on loans for serviceability
- Identifying deal specific covenants which can act as early warning signals while monitoring loans.




- Detailed industry/market studies to understand operating environment of borrower.
- Interacting with clients to discuss data gaps, inconsistencies, analytical frameworks etc.

Desired Skills

- Relevant experience of 1-3 years in US Real Estate Valuations.
- Strong financial analysis – thorough understanding of accounting / financial concepts
- Strong understanding of CRE (Commercial Real Estate)
- Proficiency interpreting and analyzing Rent Roll, operating statements, and lease schedules.
- Able to review and evaluate third-party reports like the Property appraisals and valuation reports, cost budgets, etc
- Ability to draft credit reports.
- Strong communication skills – interacting with Debt Directors, clients & other stakeholders.
- Personal drive (proactive), versatile, creative (thinks out of the box), result driven, responsible, curious, team player and fast learner.
- Hands on attitude, willing/capable to understand the big picture.
- Ability to succeed in a culture where change and speed are part of daily work.
- MBA/PGDM/CA/CFA from a reputed institute

Apply on Kit Job: kitjob.in/job/45w2mb

📌 Associate/Senior Associate - Credit Analytics (CRE US) (Chennai)
🏢 OakNorth
📍 Chennai