Credit Analyst

Levrara Consulting Group; Greater London; On-site; GBP 45,000 - 65,000; Full time

Job summary

Levrara Consulting Group in London is seeking a Credit Risk Analyst to join its Risk function. The role spans exposure across Structured Property Finance, Private Banking mortgages, and Financial Institution credit, supporting assessment and ongoing management of credit risk.

You will contribute to liquidity, capital and market risk reporting and gain exposure to ALCO and Board-level reporting. This is a second-line risk-focused position suited to a strong credit professional seeking variety.

Qualifications

• Minimum 2 years' experience within a Credit Analyst or Credit Risk Analyst position.
• Strong understanding of credit analysis, lending and credit risk assessment.
• Exposure to property finance, mortgage lending, private banking or financial institution credit would be highly advantageous.
• Strong Excel and data analytical skills.
• Excellent analytical ability with a pragmatic approach to risk assessment.
• Strong written and verbal communication skills.
• High levels of accuracy and attention to detail.
• Strong organisational and time-management skills.
• Ability to manage multiple priorities effectively.

Responsibilities

• Support the independent assessment and review of credit risk across Structured Property Finance, Private Banking and Financial Institution exposures.
• Assist with the underwriting and review of new lending proposals, including independent research and due diligence.
• Prepare and support credit assessment reports and annual credit reviews.
• Review transaction documentation, valuations, collateral and other due diligence relating to property finance and mortgage lending.
• Maintain and monitor credit exposure limits in accordance with approved authorities.
• Monitor portfolio exposures against Credit Policy, Risk Appetite, concentration limits and stress-testing requirements.
• Identify emerging credit risks, portfolio trends and potential areas of concern.
• Monitor credit ratings, market developments and portfolio concentrations.
• Support the preparation of monthly and quarterly Risk reporting for senior management, Executive Committees and Board-level committees.
• Monitor credit exceptions, limit utilisation and documentation deficiencies.
• Support the monitoring of loan performance and early warning indicators.
• Assist with liquidity, capital and market risk monitoring and stress-testing activity.
• Support the preparation of ALCO and Board reporting.
• Monitor developments within the UK property market and relevant regulatory changes.
• Assist with the maintenance and development of internal credit grading models and risk procedures.

Skills

Credit analysis

Risk assessment

Financial modelling

Data analysis

Communication

Attention to detail

Time management

Education

Bachelor's degree in Finance, Economics or related field

Tools

Excel

Job description

We are supporting a well-established financial services organisation in London with the appointment of a Credit Risk Analyst to join its Risk function.

The role provides broad exposure across Structured Property Finance, Private Banking mortgages and Financial Institution credit exposures, supporting the assessment, monitoring and ongoing management of credit risk. You will also gain exposure to wider liquidity, capital and market risk reporting.

This position would suit someone with a strong credit background who is looking to develop within a varied second-line Risk role.

Key Responsibilities

• Support the independent assessment and review of credit risk across Structured Property Finance, Private Banking and Financial Institution exposures.
• Assist with the underwriting and review of new lending proposals, including independent research and due diligence.
• Prepare and support credit assessment reports and annual credit reviews.
• Review transaction documentation, valuations, collateral and other due diligence relating to property finance and mortgage lending.
• Maintain and monitor credit exposure limits in accordance with approved authorities.
• Monitor portfolio exposures against Credit Policy, Risk Appetite, concentration limits and stress-testing requirements.
• Identify emerging credit risks, portfolio trends and potential areas of concern.
• Monitor credit ratings, market developments and portfolio concentrations.
• Support the preparation of monthly and quarterly Risk reporting for senior management, Executive Committees and Board-level committees.
• Monitor credit exceptions, limit utilisation and documentation deficiencies.
• Support the monitoring of loan performance and early warning indicators.
• Assist with liquidity, capital and market risk monitoring and stress-testing activity.
• Support the preparation of ALCO and Board reporting.
• Monitor developments within the UK property market and relevant regulatory changes.
• Assist with the maintenance and development of internal credit grading models and risk procedures.

Experience & Skills

• Minimum 2 years' experience within a Credit Analyst or Credit Risk Analyst position.
• Strong understanding of credit analysis, lending and credit risk assessment.
• Exposure to property finance, mortgage lending, private banking or financial institution credit would be highly advantageous.
• Strong Excel and data analytical skills.
• Excellent analytical ability with a pragmatic approach to risk assessment.
• Strong written and verbal communication skills.
• High levels of accuracy and attention to detail.
• Strong organisational and time-management skills.
• Ability to manage multiple priorities effectively.