Senior Credit Analyst – Commercial Real Estate

Wintermann Search; Greater London; On-site; GBP 70,000 - 90,000; Full time

Job summary

A leading global bank in Greater London is seeking a Senior Credit Analyst to minimize credit-related losses. In this role, you will evaluate credit risks, provide recommendations to the Credit Committee, and monitor the asset portfolio. The ideal candidate will have at least 10 years' experience in Commercial Real Estate credit review and Non-Performing Loans. Exceptional analytical skills and a collaborative mindset are essential for success in this position.

Qualifications

• Minimum 10 years of experience in Commercial Real Estate credit review.
• Experience with Non-Performing Loans is essential.
• Strong analytical skills and ability to handle financial reporting.

Responsibilities

• Minimize credit-related losses by managing credit risks effectively.
• Provide clear recommendations to the Credit Committee.
• Conduct thorough credit evaluations and ensure compliance with policies.
• Monitor credit ceilings and exposures to maintain loan performance.
• Proactively assess industry trends and counterparty risks.

Skills

Commercial Real Estate credit review experience

Non-Performing Loans experience

Financial analysis skills

Analytical and negotiation skills

Problem-solving attitude

Collaboration skills

Job description

Our Client, a Global Bank is looking for a Senior Credit Analyst for their London office, with a focus on Commercial Real Estate and also experience of Non-PerformingLoans. Further details below:-

Principal Purpose of the Job

Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviewsetc.

Key Responsibilities

• Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank’s credit policies, regarding the acceptability of particular business deals from a credit perspective whilst simultaneously maintaining an independent and objective view within the credit process.
• Effectively monitoring, identifying and reasonably measuring credit risk within the Bank’s asset portfolio.
• Complete credit evaluation report which provides overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigation if any as well as credit recommendation (including suggested credit enhancement as well as management conditions). Assisting with the implementation of credit risk appetite, credit policies and procedures and management processes once they are established. Make sure the credit transactions are compliant with credit policies.
• This position mainly focuses on Commercial Real Estate business 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 Head of CRD and DGM (credit) as well as credit committee 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 Head/Deputy Head of Credit Risk.
• The incumbent must comply with the requirements under the Senior Managers and Certification Regime.

Reporting Structure

The Credit Risk Department is in charge of the Credit Approval and Credit Management functions.

This role will report to the Deputy Head/Manager in Credit Risk Department who is in charge of the credit approval work in CRD.

Skills Required

• Possesses c10 years' work experience in Commercial Real Estate credit review area.
• Non-Performing Loans experience required.
• Experience in 2nd LOD.
• 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.

For further information, please contact: