At a Glance
- Tasks: Assess and manage credit risk for hotel clients across Europe.
- Company: Join a leading firm in banking and investment with a focus on hospitality.
- Benefits: Full-time role with competitive salary and opportunities for professional growth.
- Other info: Collaborative environment with mentorship opportunities for junior analysts.
- Why this job: Make an impact in the dynamic hotel financing sector while developing your expertise.
- Qualifications: 7+ years in credit analysis, ideally in corporate or investment banking.
The predicted salary is between 80000 - 100000 £ per year.
We are seeking an experienced and commercially astute Senior Credit Analyst to join our clients Credit Risk team, focusing on the hospitality sector, particularly hotel financing across European markets. The successful candidate will be responsible for independently assessing and managing credit risk for a portfolio of hotel clients, transactions, and counterparties, including both balance sheet and off-balance sheet exposures.
Key Responsibilities
- Perform in-depth credit risk assessments for new transactions and periodic reviews of existing clients within the hotel and broader hospitality sector.
- Lead the credit analysis process for large and complex financings, including investment and development loans, syndicated deals, and structured transactions.
- Produce high-quality, clearly articulated credit proposals and recommendations for submission to internal credit committees.
- Conduct financial modelling, cash flow analysis, and scenario testing on hotel assets and operators, including sensitivity to operational KPIs like RevPAR, ADR, and occupancy rates.
- Monitor portfolio performance, identify emerging risks, and take timely action to mitigate exposures.
- Collaborate with Relationship Managers, Real Estate/Project Finance teams, and external stakeholders to structure deals in line with the bank’s risk appetite.
- Track sector developments and macroeconomic trends impacting hotel markets across key European geographies.
- Ensure compliance with internal credit policies, regulatory requirements, and ESG frameworks.
- Mentor junior analysts and contribute to internal training on hospitality credit risk.
Key Requirements
- Experience
- Minimum 7 years of experience in credit analysis or risk management, ideally within a corporate or investment bank.
- Proven track record in analysing and structuring hotel sector transactions across Europe.
- Familiarity with a range of hotel business models including owner-operators, branded franchises, management contracts, and REIT structures.
- Technical Skills
- Strong financial and cash flow modelling skills.
- In-depth knowledge of key hotel industry metrics and operational drivers.
- Familiarity with legal documentation, covenant structures, and security packages.
- Proficiency in credit risk rating methodologies and internal capital frameworks (e.g. IRB, Basel IV).
- Education & Qualifications
- Degree in Finance, Economics, Accounting, or a related field.
- Professional qualifications (e.g. CFA, ACA, CAIA) are an advantage.
Credit Analyst - Hotels in London employer: Carr Lyons Search & Selection
At Carr Lyons Search & Selection, we pride ourselves on fostering a dynamic and inclusive work culture that empowers our employees to thrive. As a leader in the Real Assets Lending sector, we offer exceptional growth opportunities, competitive benefits, and a collaborative environment where innovative ideas are encouraged. Located in a vibrant area, our team enjoys not only professional development but also a supportive community that values work-life balance.
Contact Details:
Carr Lyons Search & Selection Recruitment Team
