Real Estate Credit Analyst

Real 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 elevate 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.

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