Credit Analyst – Real Estate Focused Bank

Overview

In this role, you assess buy-to-let and commercial property credit applications to support sound lending decisions. You will work within a cross-functional team to ensure compliance with policy and regulatory standards. You’ll monitor loan portfolios, prepare key credit reports, and keep documentation up to date. You contribute to ad-hoc credit projects and stay current on processes and regulatory changes to protect the bank’s risk framework. This is a hands-on role with impact on portfolio performance and governance.

Responsibilities

• Review buy-to-let and commercial property credit applications
• Ensure proposals comply with bank policies, credit standards and regulations
• Raise and resolve credit queries with Relationship Managers within timelines
• Identify credit/process gaps and ensure complete documentation
• Monitor existing loan portfolios and review portfolio performance
• Prepare credit, committee and annual review reports
• Maintain accurate credit records and electronic files
• Liaise with Credit Administration, Finance, Compliance and Audit
• Keep up to date with bank processes, systems and regulatory changes
• Support ad-hoc credit projects as required

Key requirements

• 3+ years’ commercial risk management experience, including credit decision-making and sanctioning
• Experience in Relationship Management is preferred
• Strong academic and professional qualifications
• Good knowledge of the UK economy, BTL and commercial real estate markets
• Understanding of SME lending, Trade Finance and credit risk
• Strong financial analysis skills, including financial statements, projections and business models
• Knowledge of credit risks, mitigants and lending structures
• Understanding of BASEL, PRA and FCA requirements and policy compliance
• Strong Excel, spreadsheet and database skills
• Knowledge of SME/emerging markets and industry trends is desirable
• Corporate workout/restructuring experience is an advantage

• Excel
• financial analysis
• credit risk assessment
• lending structures
• regulatory compliance

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