LA/SRA – Credit Risk Review (Commercial Real Estate) – Banking & Financial Services – Gurugram – 5+ Years
We are looking for professionals with 5+ years of experience in Credit Risk Review, CRE Loan Review, Credit Underwriting, or Commercial Banking Risk functions. The role requires strong expertise in Commercial Real Estate (CRE) portfolios, multifamily real estate analysis, financial statement analysis, cash flow assessment, and portfolio monitoring. The ideal candidate should possess robust analytical capabilities, understanding of commercial banking risk frameworks, and hands-on experience in credit assessment and loan review processes.
Location : Gurugram/Pune/ Mumbai
Your Future Employer
A leading global analytics and risk advisory organization working with top international banking and financial services clients across credit risk management, commercial banking analytics, and portfolio monitoring functions.
Responsibilities
Conducting comprehensive credit risk reviews across Commercial Real Estate (CRE) portfolios including Multifamily, Office, Retail, Hospitality,



and Mixed-use exposures.
Analysing borrower financial statements including balance sheets, income statements, cash flow statements, rent rolls, and tax returns.
Spreading financial statements using tools such as Sageworks, Credit Lens, or similar financial spreading platforms.
Assessing borrower repayment capacity through DSCR, LTV, NOI, leverage, liquidity, and occupancy analysis.
Reviewing underwriting quality, collateral valuation reports, covenant compliance, guarantor strength, and loan documentation.
Preparing annual review reports covering profitability, liquidity, repayment trends, collateral analysis, and overall credit quality.
Evaluating risk ratings and identifying weaknesses in credit structures and underwriting practices.
Supporting portfolio monitoring activities related to criticised and classified CRE loan exposures.
Analysing refinancing risks, tenant concentration, market volatil

📌 La/sra– credit risk review/loan review – banking (Gurugram)
🏢 Crescendo Global
📍 Gurugram