Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Evaluate credit proposals and assess financial risks in Commercial Real Estate.
- Company: Join a leading bank focused on minimising credit-related losses.
- Benefits: Enjoy a permanent role with opportunities for professional growth and development.
- Why this job: Be part of a dynamic team that values independent thinking and collaboration.
- Qualifications: 5-8 years in Corporate Banking with strong analytical skills required.
- Other info: Contact Barbara Houghton with your CV to apply.
The predicted salary is between 48000 - 72000 £ per year.
Our client is seeking a Senior Credit Analyst with exposure to Commercial Real Estate to join their team on a permanent basis. Supporting the business to minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risk and mitigants in proposals, reviews etc.
It’s essential to have previous Corporate Banking experience.
Main Responsibilities & Accountabilities:
- Provide credit evaluation report for various credit products which provides overview of transactions, financial and non-financial risk analysis, key risks identified. Make sure the credit transactions are compliant with credit policies.
- This position mainly focuses on Large Corporate business/Commercial Real Estate and may also cover some other sector’s credit business based on the types of proposal from front office.
- Provide effective challenges as well as guidance to the proposals from Front Office; Draft and present credit opinions to Credit Committee, by maintaining an objective and independent view within the credit process, in accordance with the Bank’s credit policies.
- Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives.
- Provide relevant departments with the professional risk analysis and appropriate risk mitigation measure in a timely manner.
- Conduct post lending management work including but not limited to: monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained; monitor the financial performance of the borrower regularly associated with market and industry dynamics; monitor the conditions subsequent and ensure all conditions are met at any time through the loan life.
- Perform credit review and research of industry/customer-related information for all new proposals and (on at least an annual basis) for existing customers.
- Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
- Other functions and tasks as maybe required to assist the Department.
Skills Required:
- Possesses a minimum of 5-8 years’ work experience in Large Corporate, preferable have Credit Review experience and NPL.
- In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and clients’ type. Business and economy related know-how, and excellent financial analysis, projection and stress test skills.
- Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
- Collaborative personality and ability to complete tasks independently.
For more information on this role please contact Barbara Houghton by sending your CV and quoting ref 16700BH.
Senior Credit Analyst - Commercial Real Estate employer: Barbara Houghton Associates
Contact Detail:
Barbara Houghton Associates Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Analyst - Commercial Real Estate
✨Tip Number 1
Network with professionals in the Commercial Real Estate sector. Attend industry events, webinars, or local meetups to connect with potential colleagues and learn about the latest trends and challenges in the field.
✨Tip Number 2
Familiarise yourself with the specific credit policies and risk assessment frameworks used by banks in Corporate Banking. This knowledge will help you demonstrate your understanding of compliance and risk management during interviews.
✨Tip Number 3
Prepare to discuss your previous experiences in credit analysis, particularly any relevant projects or challenges you've faced. Be ready to explain how you identified risks and implemented mitigations effectively.
✨Tip Number 4
Stay updated on current market conditions and economic indicators that affect the Commercial Real Estate sector. Being knowledgeable about these factors will show your commitment and readiness for the role.
We think you need these skills to ace Senior Credit Analyst - Commercial Real Estate
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your Corporate Banking experience and any relevant skills related to credit analysis in Commercial Real Estate. Use specific examples that demonstrate your ability to evaluate credit risks and provide insights.
Craft a Strong Cover Letter: Write a cover letter that addresses the key responsibilities mentioned in the job description. Emphasise your experience with credit evaluations, risk analysis, and your understanding of industry trends. Show how you can contribute to minimising credit-related losses.
Highlight Relevant Skills: In your application, clearly outline your analytical and negotiation skills. Provide examples of how you've successfully managed credit proposals and conducted thorough risk assessments in previous roles.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any errors or inconsistencies. A polished application reflects your attention to detail, which is crucial for a Senior Credit Analyst role.
How to prepare for a job interview at Barbara Houghton Associates
✨Showcase Your Corporate Banking Experience
Make sure to highlight your previous experience in corporate banking during the interview. Be prepared to discuss specific examples of how you've managed credit risks and contributed to minimising losses in past roles.
✨Demonstrate Analytical Skills
Since the role requires exceptional analytical skills, be ready to discuss your approach to financial analysis and risk assessment. You might even want to prepare a case study or example that showcases your ability to evaluate credit proposals effectively.
✨Understand Industry Trends
Familiarise yourself with current trends in commercial real estate and related sectors. Being able to discuss these trends and their potential impact on credit risk will show your proactive approach and industry knowledge.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions where you may need to provide credit opinions or risk assessments. Practise articulating your thought process clearly and concisely, demonstrating your ability to maintain an objective view while providing constructive challenges.
