Senior Credit Analyst - Commercial Real Estate

JR United Kingdom; London; On-site; GBP 50,000 - 90,000; Full time

Job summary

An established industry player is looking for a Senior Credit Analyst to join their dynamic team. This role involves minimizing credit-related losses by identifying and assessing credit risks in commercial real estate and large corporate sectors. The ideal candidate will have extensive corporate banking experience, strong analytical skills, and the ability to provide insightful credit evaluations and risk analyses. This position offers a unique opportunity to contribute to the bank's success while working collaboratively with various departments. If you are passionate about credit analysis and want to make a significant impact, this role is for you.

Qualifications

• 5-8 years of experience in Large Corporate credit review, preferably with NPL experience.
• Deep knowledge of risks and mitigations across industries and client types.

Responsibilities

• Provide credit evaluation reports for various credit products and ensure compliance.
• Conduct post-lending management and monitor credit ceilings and exposures.

Skills

Large Corporate credit review

Financial analysis

Risk analysis

Negotiation skills

Problem-solving skills

Stress testing skills

Job description

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

1. Provide credit evaluation reports for various credit products, offering an overview of transactions, financial and non-financial risk analysis, and key risks identified. Ensure credit transactions comply with credit policies.
2. This position mainly focuses on Large Corporate business/Commercial Real Estate and may also cover some other sector’s credit business based on proposals from the front office.
3. Provide effective challenges and guidance to proposals from the Front Office; draft and present credit opinions to the Credit Committee, maintaining an objective and independent view in accordance with the Bank’s credit policies. Achieve timely turnaround of credit proposals and reviews.
4. Provide relevant departments with professional risk analysis and appropriate risk mitigation measures promptly.
5. Conduct post-lending management, including monitoring credit ceilings and exposures, financial performance of borrowers, and ensuring all conditions are met throughout the loan life.
6. Perform credit reviews and research industry/customer-related information for new proposals and annually for existing customers.
7. Proactively monitor industry and sector trends, as well as counterparty risks, for early warning signals.
8. Perform other functions and tasks as required to assist the Department.

Skills Required:

• Minimum of 5-8 years’ experience in Large Corporate credit review, preferably with NPL experience.
• Deep knowledge of risks and mitigations across industries, countries, and client types; strong financial analysis, projection, and stress testing skills.
• Exceptional analytical, negotiation, and problem-solving skills, with a positive attitude.
• Collaborative personality with the ability to work independently.