Commercial And Residential Credit Analyst

Commercial and Residential Credit Analyst

International Bank

Up to £75k

City Based

My client a well-structured, well established international bank is looking to appoint a senior Commercial and Residential Credit Analyst/credit underwriter to help with a real estate focused portfolio. They are looking to grow the debt portfolio within the commercial real estate universe with a focus on Hotels, Care Homes, Student Accommodation and BTL. They need UK experience and an understanding of the commercial real estate sector. 

Responsibilities

·Assess the creditworthiness of current and prospective Clients to determine the level of risk.

·Write recommendation reports and present to Credit Approval Committee.

·Evaluate a client’s financial statements and credit reports to determine the ability to service debt obligations.

·Assess the quality of credit proposals providing feedback to the frontline and Head of Credit.

·Identify potential enhancements and streamlining to the credit application and approval process.

·Ensure loan applications comply with the Bank’s Credit Policy and Appetite.

·Adherence to regulatory guidelines.  

·Act as a sounding board to the frontline on lending proposals.

·Establishment of strong working relationships at all levels

·Support the development of an appropriate risk culture within the business including providing support and training in credit risk analysis.

Skills Required

·Minimum 5 years UK experience of approving loans to trading businesses (Hotels, Care Homes, Retail etc) and Real Estate (Buy to Let and Development)

·Good decision making based on data

·Presentation skills

·Regulatory compliance knowledge and understanding of industry best practices. 

·To work efficiently and to timelines

·Experience in producing MI using Excel