Banking

Credit Analyst – Commercial Real Estate

Published:
26th October 2021
Location:
London, United Kingdom
Category:
Banking  
Job Type:
Salary:
£27,000 - £32,000 plus banking benefits
Role:
Front Office

Description

The role is responsible for assisting the Head of Credit Approval in ensuring credit quality at the approval stage, monitoring the ongoing credit dynamics of the credit portfolio at a macro and micro level post sanction and the compliance of credit risk. The key challenge in this role is to assist the Head of Credit Approval to manage risks through a combination of routine & pro-active checks on individual credits and the portfolio as a whole.

Responsibilities: 

  • Objectively assess referred deals to policy and mandate.
  • Meet KPIs related to review of credit requests, reporting and other performance standards.
  • Revert to the RM with queries on the credit application within specified turnaround time.
  • Conduct financial statement analysis on all loan applications relating to Commercial Buy to Let, Residential and Commercial Mortgages.
  • Ensure all major queries are resolved prior to the case being submitted to the Head of Credit Approval.
  • Highlighting any shortfall 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.
  • Preparation of various reports sanctioning committees and annual reviews.
  • Monitoring and performance review of existing portfolio.
  • Maintain electronic filing of all credit requests and diarising for the receipt of information from the branches.
  • To remain up to date with the changes in bank’s business profile, internal systems and processes and regulatory requirements.
  • 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.

Experience and Education

  • Strong academic or professional qualification background
  • At least 2/3 years of corporate risk management experience with direct exposure to decision making and sanctioning procedures
  • Sound understanding of the UK market for Consumer lending, SME and parameter based lending (including RMC).
  • Strong academic or professional qualification background.
  • At least 3 years of experience in Commercial Loan underwriting with direct exposure to decision-making and sanctioning procedures.

Aisha Ishaq

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