eFinancialCareers
Real Estate Credit Analyst
City of London
Hybrid (4/1 split)
Permanent
£50,000 – £70,000
cer Financial are working alongside an international bank, who are based in the City of London. They are seeking a Real Estate Credit Analyst will include:
The responsibilities of the Real Estate Credit Analyst will include:
- Assess Buy-to-Let (BTL) and commercial real estate lending applications against credit policy and delegated authority limits.
- Support the Head of Credit in maintaining credit quality during the approval process.
- Review and analyse financial information and credit applications.
- Raise and resolve queries with Relationship Managers (RMs) within agreed turnaround times.
- Ensure all material issues are addressed before submission for final credit approval.
- Identify and escalate weaknesses or gaps in the credit approval process.
- Prepare and maintain credit proposals and documentation in line with internal standards.
- Monitor the ongoing performance and risk profile of the lending portfolio.
- Review monthly and quarterly portfolio reports.
- Prepare reports for sanctioning committees and annual credit reviews.
- Maintain accurate electronic credit files and track outstanding information requests.
- Ensure compliance with group credit policies and regulatory requirements.
- Liaise with Credit Administration, Finance, Compliance, Audit and other stakeholders.
- Support ad-hoc projects and assignments requested by the Head of Credit.
- Keep up to date with changes in lending regulations, policies, systems and business activities.
The successful candidate will have:
- Strong academic background and professional qualifications.
- 2–5 years' experience in commercial or real estate credit/risk management.
- Direct experience in credit decision-making and sanctioning processes.
- Experience with commercial real estate and residential lending portfolios.
- Exposure to sectors such as offices, hotels, student accommodation, Buy-to-Let, and residential mortgages is advantageous.
- Strong understanding of the UK SME lending market.
- Excellent financial analysis skills and ability to interpret financial statements.
- Good understanding of credit risk assessment, including risks and mitigants for on- and off-balance-sheet facilities.
- Knowledge of credit approval, portfolio monitoring and risk management practices.
- Strong attention to detail and ability to identify potential credit issues.
- Good stakeholder management and communication skills.
- Proficient in Excel, spreadsheets and database tools.
- Ability to work within KPI-driven turnaround times and manage multiple priorities.
To apply for this job please visit www.reed.co.uk.
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