Senior Credit Analyst (Real estate/ Commodity Finance) - Hays

Location: LondonJob Type: Permanent
An international corporate and commercial bank is seeking an experienced Senior Credit Analyst to join its London-based Credit Risk team. This is a high-profile role offering exposure to complex corporate lending transactions, with a particular focus on Commodity Finance and Commercial Real Estate (CRE), alongside broader large corporate credit exposure.Working closely with senior stakeholders across the business, you will provide independent credit assessment, challenge front office proposals, and deliver robust recommendations to Credit Committee, helping to ensure sound risk management across the bank's lending portfolio.
Key Responsibilities

• Conduct detailed credit analysis and assessment of new lending proposals and existing client relationships.
• Prepare and present well-reasoned credit recommendations for Credit Committee approval.
• Independently challenge and advise Front Office teams on transaction structures, risk factors and mitigants.
• Assess borrower financial performance, industry dynamics and macroeconomic factors to identify key risks.
• Undertake financial modelling, forecasting and stress testing to evaluate creditworthiness.
• Monitor portfolio exposures, limits, covenants and credit performance throughout the life of facilities.
• Perform annual and periodic credit reviews across a diverse portfolio of corporate clients.
• Proactively identify emerging counterparty, sector and market risks, escalating concerns where appropriate.
• Recommend appropriate risk mitigation measures to support prudent credit decisions.
• Contribute to industry research and ongoing enhancement of credit risk practices.

Candidate Profile

• Minimum 5years' experience within Credit Risk, Credit Analysis or Credit Review gained in a banking environment.
• Strong exposure to Large Corporate lending and Commodity Finance.
• Experience covering Commercial Real Estate (CRE) financing is highly desirable.
• Excellent credit assessment, financial analysis, forecasting and stress testing capabilities.
• Strong understanding of corporate credit risk, transaction structures and risk mitigation techniques.
• Knowledge of a range of industries, jurisdictions and borrower types.
• Ability to produce high-quality credit papers and present recommendations confidently to senior stakeholders.
• Excellent analytical, communication and stakeholder management skills.
• A proactive, collaborative approach combined with the confidence to challenge constructively and independently.

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