Real Estate Credit Analyst
other jobs cer Financial Ltd
Added before 6 Days
- England,London,City of London
- Full Time, Permanent
- £50,000 - £70,000 per annum
Job Description:
Full job descriptionReal Estate Credit Analyst
City of London
Hybrid (4/1 split)
Permanent
£50,000 - £70,000
cer Financial are working alongside an international bank, who are based in the City of London. They are seeking a Real Estate Credit Analyst will include:
The responsibilities of the Real Estate Credit Analyst will include:
*Assess Buy-to-Let (BTL) and commercial real estate lending applications against credit policy and delegated authority limits.
*Support the Head of Credit in maintaining credit quality during the approval process.
*Review and analyse financial information and credit applications.
*Raise and resolve queries with Relationship Managers (RMs) within agreed turnaround times.
*Ensure all material issues are addressed before submission for final credit approval.
*Identify and escalate weaknesses or gaps in the credit approval process.
*Prepare and maintain credit proposals and documentation in line with internal standards.
*Monitor the ongoing performance and risk profile of the lending portfolio.
*Review monthly and quarterly portfolio reports.
*Prepare reports for sanctioning committees and annual credit reviews.
*Maintain accurate electronic credit files and track outstanding 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 assignments requested by the Head of Credit.
*Keep up to date with changes in lending regulations, policies, systems and business activities.
The successful candidate will have:
*Strong academic background and professional qualifications.
*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 sectors such as offices, hotels, student accommodation, Buy-to-Let, and residential mortgages is advantageous.
*Strong understanding of the UK SME lending market.
*Excellent financial analysis skills and ability to interpret financial statements.
*Good understanding of credit risk assessment, including risks and mitigants for on- and off-balance-sheet facilities.
*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.
City of London
Hybrid (4/1 split)
Permanent
£50,000 - £70,000
cer Financial are working alongside an international bank, who are based in the City of London. They are seeking a Real Estate Credit Analyst will include:
The responsibilities of the Real Estate Credit Analyst will include:
*Assess Buy-to-Let (BTL) and commercial real estate lending applications against credit policy and delegated authority limits.
*Support the Head of Credit in maintaining credit quality during the approval process.
*Review and analyse financial information and credit applications.
*Raise and resolve queries with Relationship Managers (RMs) within agreed turnaround times.
*Ensure all material issues are addressed before submission for final credit approval.
*Identify and escalate weaknesses or gaps in the credit approval process.
*Prepare and maintain credit proposals and documentation in line with internal standards.
*Monitor the ongoing performance and risk profile of the lending portfolio.
*Review monthly and quarterly portfolio reports.
*Prepare reports for sanctioning committees and annual credit reviews.
*Maintain accurate electronic credit files and track outstanding 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 assignments requested by the Head of Credit.
*Keep up to date with changes in lending regulations, policies, systems and business activities.
The successful candidate will have:
*Strong academic background and professional qualifications.
*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 sectors such as offices, hotels, student accommodation, Buy-to-Let, and residential mortgages is advantageous.
*Strong understanding of the UK SME lending market.
*Excellent financial analysis skills and ability to interpret financial statements.
*Good understanding of credit risk assessment, including risks and mitigants for on- and off-balance-sheet facilities.
*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.
Job number 3886520
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Company Details:
cer Financial Ltd
Company size: 10–19 employees
Industry: Recruitment Consultancy
cer Financial are a true financial services consultancy. We work with a large cross section of Banks, Asset Managers, Brokers, Insurers and Financial ...