Credit Analyst - Real Estate Focused Bank - CER Financial

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.