Credit Analyst – Real Estate Focused Bank

PERMANENT
| 60,000.00
PER ANNUM
RECRUITER: | Simon Blau

Credit Analyst – Real Estate Focused Bank

London International Bank

Permanent

Up to 60k

5 days in the office

cer Financial are working alongside an international bank, who are based in London. They are seeking a Credit Analyst to work with them on a permanent basis.

Responsibilities:

• Review and assess buy-to-let and commercial property credit applications.
• Ensure proposals comply with bank policies, credit standards and regulations.
• Raise and resolve credit queries with Relationship Managers within agreed timelines.
• Identify credit/process gaps and ensure complete documentation.
• Monitor existing loan portfolios and review portfolio performance.
• Prepare credit, committee and annual review reports.
• Maintain accurate credit records and electronic files.
• Liaise with Credit Administration, Finance, Compliance and Audit.
• Keep up to date with bank processes, systems and regulatory changes.
• Support ad-hoc credit projects as required.

The successful candidate:

• 3+ years’ commercial risk management experience, including credit decision-making and sanctioning.
• Experience in Relationship Management is preferred.
• Strong academic and professional qualifications.
• Good knowledge of the UK economy, BTL and commercial real estate markets.
• Understanding of SME lending, Trade Finance and credit risk.
• Strong financial analysis skills, including financial statements, projections and business models.
• Knowledge of credit risks, mitigants and lending structures.
• Understanding of BASEL, PRA and FCA requirements and policy compliance.
• Strong Excel, spreadsheet and database skills.
• Knowledge of SME/emerging markets and industry trends is desirable.
• Corporate workout/restructuring experience is an advantage.