Real Estate Credit Rating and Research Senior Analyst

Company: Utmost International
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Job Details: Real Estate Credit Rating and Research Senior Analyst

Full details of the job.

Vacancy Name: Real Estate Credit Rating and Research Senior Analyst

Vacancy No: VN721

Location: United Kingdom

Responsibilities:

  • Develop and maintain risk and rating framework, ensuring risks are documented and approved for Real Estate Credit.
  • Conduct thorough analysis of Real Estate Credit portfolio and new opportunities, effectively communicating outcomes.
  • Complete annual review cycle of rating methodology of external managers and internal ratings on the portfolio.
  • Gather and process information on proposed asset classes and transactions in collaboration with the fund manager, including market review, peer analysis, transaction structure, and legal documentation.
  • Monitor the loan portfolio, working with the fund manager to ensure information flow and ongoing oversight.
  • Own internal rating procedures, developing and maintaining criteria and processes.
  • Contribute to the development and maintenance of the partial internal model for Real Estate Credit risk, ensuring comparability of internal and external ratings.
  • Participate actively in Credit Committees, providing insights and ensuring robust risk assessment.
  • Maintain detailed records of rating decisions and methodology updates to ensure audit readiness and compliance.
  • Monitor market and regulatory developments impacting Real Estate Credit risk.
  • Manage data, identify, design, and implement internal process improvements.
  • Support the wider investment team and CIO as needed.
  • Ensure compliance with FCA’s conduct and Consumer Duty rules, and PRA’s conduct standards, including notification of regulatory matters.

Core Competencies:

  • 3+ years of experience in Real Estate Credit Ratings or risk roles, preferably at a Ratings Agency.
  • Understanding of key risks and controls in managing Real Estate Credit.
  • Experience managing relationships with third parties and external Investment Managers.
  • Effective communication skills at all levels, including Board level, with team motivation abilities.
  • Strong presentation, negotiation, conflict management, and delegation skills.
  • Critical thinking and problem-solving skills.
  • Excellent planning, organization, pragmatism, and flexibility.

Experience and Qualifications:

  • Experience in asset management, investment, or Rating agency industry within Real Estate Credit.
  • Deep knowledge of Real Estate credit risks and rating methodologies.
  • Familiarity with UK regulatory environment for life offices and regulator interactions.
  • Strong stakeholder, customer, and people management skills.
  • Proven project management skills.

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Posted: March 3rd, 2026