Senior Credit Analyst - Commercial Real Estate

Barbara Houghton Associates Limited; Greater London; On-site; GBP 60,000 - 100,000; Full time

Job summary

An established industry player is on the lookout for a Senior Credit Analyst to join their dynamic team. This pivotal role involves minimizing credit-related losses by analyzing risks associated with commercial real estate and large corporate clients. The ideal candidate will possess extensive experience in corporate banking, showcasing exceptional analytical and negotiation skills. You'll be responsible for drafting credit opinions, providing risk analysis, and ensuring compliance with credit policies. Join a collaborative environment where your expertise will contribute to strategic decision-making and drive the success of the organization.

Qualifications

• 5-8 years experience in Large Corporate and Credit Review.
• In-depth knowledge of risks across different industries and clients.

Responsibilities

• Provide credit evaluation reports and ensure compliance with credit policies.
• Conduct post lending management and monitor financial performance of borrowers.

Skills

Credit Review Experience

Financial Analysis

Risk Mitigation

Analytical Skills

Negotiation Skills

Problem Solving

Collaboration

Job description

Our client is seeking a Senior Credit Analyst with exposure to Commercial Real Estate to join their team on a permanent basis. Supporting the business to minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risk and mitigants in proposals, reviews etc.

It’s essential to have previous Corporate Banking experience

• Provide credit evaluation report for various credit products which provides overview of transactions, financial and non-financial risk analysis, key risks identified. Make sure the credit transactions are compliant with credit policies.
• This position mainly focuses on Large Corporate business/Commercial Real Estate and may also cover some other sector’s credit business based on the types of proposal from front office.
• Provide effective challenges as well as guidance to the proposals from Front Office; Draft and present credit opinions to Credit Committee, by maintaining an objective and independent view within the credit process, in accordance with the Bank’s credit policies. Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives.
• Provide relevant departments with the professional risk analysis and appropriate risk mitigation measure in a timely manner.
• Conduct post lending management work including but not limited to 1) monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained, 2) monitor the financial performance of the borrower regularly associated with market and industry dynamics, 3) monitor the conditions subsequent and ensure all conditions are met at any time through the loan life.
• Perform credit review and research of industry/customer-related information for all new proposals and (on at least an annual basis) for existing customers.
• Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
• Other functions and tasks as maybe required to assist the Department.

Skills Required:

• Possesses a minimum of 5-8 years’ work experience in Large Corporate, preferable have Credit Review experience and NPL
• In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and clients’ type. Business and economy related know-how, and excellent financial analysis, projection and stress test skills.
• Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
• Collaborative personality and ability to complete tasks independently.

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance

Industries

Banking