At a Glance
- Tasks: Analyse real estate lending applications and ensure credit quality during the approval process.
- Company: International bank located in the vibrant City of London.
- Benefits: Competitive salary, hybrid work model, and opportunities for professional growth.
- Other info: Fast-paced environment with excellent career advancement potential.
- Why this job: Join a dynamic team and make impactful decisions in the real estate sector.
- Qualifications: 2-5 years in credit/risk management with strong analytical skills.
The predicted salary is between 50000 - 70000 £ per year.
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.
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.
Real Estate Credit Analyst employer: CER FINANCIAL LTD
Join an esteemed international bank located in the heart of the City of London, where you will thrive in a dynamic hybrid work environment that promotes collaboration and innovation. With a strong commitment to employee development, this organisation offers extensive growth opportunities, competitive salaries, and a supportive culture that values your contributions. Experience the unique advantage of working in one of the world's leading financial hubs, surrounded by industry experts and a diverse range of projects that will enhance your career in real estate credit analysis.
StudySmarter Expert Advice🤫
We think this is how you could land Real Estate Credit Analyst
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like CER FINANCIAL LTD. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Real Estate Credit Analyst
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to CER FINANCIAL LTD.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on CER FINANCIAL LTD's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at CER FINANCIAL LTD
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with CER FINANCIAL LTD.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at CER FINANCIAL LTD will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former CER FINANCIAL LTD employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
