Full job description 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.