Real Estate Credit Analyst

Overview

In this role you will assess Buy-to-Let and commercial real estate lending applications against policy and authority limits, supporting credit quality throughout the approval process. You will analyse financial information, prepare credit proposals, and monitor portfolio risk to keep lending performance on track. You’ll collaborate with Relationship Managers and various stakeholders to address issues and ensure compliance with policies and regulatory requirements. This position offers a chance to contribute to credit decisioning in a reputable financial institution and grow within a risk-focused team.

Responsibilities

• Assess BTL and commercial real estate lending applications against policy and delegated authority.
• Support Head of Credit in maintaining credit quality during approval.
• Review and analyse financial information and credit applications.
• Raise and resolve queries with RMs within turnaround times.
• Prepare and maintain credit proposals and documentation.
• Monitor ongoing portfolio performance and risk profile.
• Review monthly/quarterly portfolio reports and prepare sanctions/annual reviews.
• Maintain electronic credit files and track information requests.
• Ensure compliance with group credit policies and regulatory requirements.
• Liaise with Credit Administration, Finance, Compliance, Audit and other stakeholders.
• Support ad-hoc projects and keep up to date with lending regulation changes.

Key requirements

• 2–5 years’ experience in commercial or real estate credit/risk management
• Direct experience in credit decision-making and sanctioning processes
• Experience with commercial real estate and residential lending portfolios
• Exposure to offices, hotels, student accommodation, BTL, and residential mortgages advantageous
• Strong understanding of UK SME lending market
• Excellent financial analysis skills and ability to interpret financial statements
• Understanding of credit risk assessment including on- and off-balance-sheet risks
• Knowledge of credit approval, portfolio monitoring and risk management practices
• Strong attention to detail and ability to identify potential credit issues
• Good stakeholder management and communication skills
• Proficient in Excel, spreadsheets and database tools
• Ability to work within KPI-driven turnaround times and manage multiple priorities

• stakeholder management
• attention to detail
• communication
• Excel
• financial statement analysis
• credit risk assessment

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