Credit Analytics - (Associate/Senior Associate/AVP) - CRE

Oaknorth.ai

Bengaluru or Gurugram Hybrid permanent

Posted: November 12, 2025

Job Description

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.

Team Mission 🚀

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 2-10 years.
• 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), flexible, 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

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