Banking

Credit Analyst – Commercial Real Estate

Published:
12th May 2023
Location:
City of London, United Kingdom
Category:
Banking  
Job Type:
Salary:
£50,000 - £55,000
Role:
Operations & Middle Office

Description

We are working with a prestigious international bank who specialise in BTL and commercial lending. They are currently seeking a Credit Analyst with 3 years of experience in the banking sector to join their team and carry out the following duties:

  • Meet KPIs related to review of credit requests, reporting and other performance standards.
  • Top products Handled - Buy to let, Commercial Real Estate and Commercial loans for SME
  • Analyse client’s company’s financials and create projections to determine repayment ability and credit-worthiness.
  • Revert to the RM with queries on the credit application within specified turnaround time.
  • Reviewing existing client exposures, active monitoring of large exposures and exposures to specific products keeping abreast of key news items pertaining to clients especially large and critical clients
  • Presenting credit facility requests along with a detailed analysis, identifying key risk issues and researching a reasoned conclusion along with recommendations to bank’s credit committee for decision.
  • Reviewing credit policies, strategies and procedures and updating them in line with Group requirements, industry trends, regulatory requirements, and improved risk management & risk mitigation Preparing detailed analysis on the client’s business performance, client’s operating sector, ability to repay & profitability for the bank. Ensure all major queries are resolved prior to the case being submitted to the Head of Credit Approval.
  • Highlighting any errors to the credit process chain.
  • Documentation of proposal related information to be in conformity with requirements as set out internally.
  • Check monthly/quarterly portfolio review reports.
  • Maintain electronic filing of all credit requests and organising each request accordingly.
  • Undertake projects and assignments from time to time as directed by the Head of Credit Approval.
  • Liaison with Credit Administration, ACPM, Finance, Compliance; Audit for processes relating to Credit Approval function.
  • Qualifying loan applicants based on eligibility and credit policy to determine the most appropriate loan product for the client’s credit requirement and present to relevant committees for approvals.
  • Acting as secretary to Credit Committees and Policy meetings

Key Requirements

  • Minimum of 3 years in a Credit Analyst role at a bank.
  • Sound understanding of the UK market for SME lending & Trade Finance.
  • High level of understanding of financial statements.
  • Sound understanding of Risks and Mitigants for On-Balance sheet and Off-Balance Sheet credit facilities.
  • Understanding of BASEL and PRA & FCA Risk Guidelines, Calculations and Policy Adherence.
  • Proficiency in the use of Excel, spread-sheets, database tools.

Aisha Ishaq

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