Commercial and Residential Credit Analyst London CER Financial Full time

Commercial and Residential Credit Analyst London CER Financial Full timeEngland, London
MYR 85,000
Efinancialcareers
1 day ago
DescriptionCommercial 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
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