Credit Analyst - Hotels

Carr Lyons Search & Selection; London; On-site; GBP 70,000 - 100,000; Full time

Job summary

A leading company in the finance sector is seeking a Senior Credit Analyst to join their Credit Risk team, focusing on the hospitality sector. The role involves assessing and managing credit risk for hotel clients across Europe, with responsibilities including financial modelling and monitoring portfolio performance. Candidates should have at least 7 years of experience in credit analysis, strong financial skills, and familiarity with hotel industry metrics.

Qualifications

• Minimum 7 years of experience in credit analysis or risk management.
• Proven track record in hotel sector transactions across Europe.
• Strong financial and cash flow modelling skills.

Responsibilities

• Perform in-depth credit risk assessments for new transactions.
• Lead the credit analysis process for large and complex financings.
• Monitor portfolio performance and identify emerging risks.

Skills

Credit analysis

Risk management

Financial modelling

Cash flow analysis

Knowledge of hotel industry metrics

Education

Degree in Finance, Economics, Accounting, or related field

Professional qualifications (e.g. CFA, ACA, CAIA)

Job description

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Consultant @ Carr Lyons Search & Selection | Credit, Leveraged Finance, Transaction Banking, Project Finance, Coverage Banking

We are seeking an experienced and commercially astute Senior Credit Analyst to join our clients Credit Risk team, focusing on the hospitality sector, particularly hotel financing across European markets. The successful candidate will be responsible for independently assessing and managing credit risk for a portfolio of hotel clients, transactions, and counterparties, including both balance sheet and off-balance sheet exposures.

Key Responsibilities

• Perform in-depth credit risk assessments for new transactions and periodic reviews of existing clients within the hotel and broader hospitality sector.
• Lead the credit analysis process for large and complex financings, including investment and development loans, syndicated deals, and structured transactions.
• Produce high-quality, clearly articulated credit proposals and recommendations for submission to internal credit committees.
• Conduct financial modelling, cash flow analysis, and scenario testing on hotel assets and operators, including sensitivity to operational KPIs like RevPAR, ADR, and occupancy rates.
• Monitor portfolio performance, identify emerging risks, and take timely action to mitigate exposures.
• Collaborate with Relationship Managers, Real Estate/Project Finance teams, and external stakeholders to structure deals in line with the bank’s risk appetite.
• Track sector developments and macroeconomic trends impacting hotel markets across key European geographies.
• Ensure compliance with internal credit policies, regulatory requirements, and ESG frameworks.
• Mentor junior analysts and contribute to internal training on hospitality credit risk.

Key Requirements

Experience

• Minimum 7 years of experience in credit analysis or risk management, ideally within a corporate or investment bank.
• Proven track record in analysing and structuring hotel sector transactions across Europe.
• Familiarity with a range of hotel business models including owner-operators, branded franchises, management contracts, and REIT structures.

Technical Skills

• Strong financial and cash flow modelling skills.
• In-depth knowledge of key hotel industry metrics and operational drivers.
• Familiarity with legal documentation, covenant structures, and security packages.
• Proficiency in credit risk rating methodologies and internal capital frameworks (e.g. IRB, Basel IV).

Education & Qualifications

• Degree in Finance, Economics, Accounting, or a related field.
• Professional qualifications (e.g. CFA, ACA, CAIA) are an advantage.

Seniority level

• Seniority level

  Director

Employment type

• Employment type

  Full-time

Job function

• Job function

  Sales and Analyst

• Industries

  Banking and Investment Banking

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