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- Tasks: Analyse credit risks and collaborate on innovative real estate transactions.
- Company: Join Legal & General, a leading UK financial services group with a global impact.
- Benefits: Enjoy competitive salary, performance bonuses, generous holiday, and health benefits.
- Why this job: Shape the future of real estate credit analysis in a diverse and inclusive team.
- Qualifications: Experience in financial analysis, strong Excel skills, and a collaborative mindset.
- Other info: Flexible working options and a culture that values your wellbeing and career growth.
The predicted salary is between 36000 - 60000 £ per year.
Company Description
Legal & General (L&G) is a leading UK financial services group and major global investor. We’ve been safeguarding people’s financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders. We are one of the world’s largest asset managers and provide powerful asset origination capabilities. Together, these underpin our retirement and protection solutions: we are an international player in pension risk transfer, in UK and US life insurance, and in UK workplace pensions and retirement income. Our global asset management business provides our clients and partners with complex, responsible investment solutions, working internationally across public and private markets.
Job Description
Are you ready to shape the future of real estate credit risk analysis? We’re looking for a thoughtful and driven Credit Analyst to join our Credit Ratings Team. Reporting to the Head of Real Estate Credit Ratings, you’ll play a key role in assessing and monitoring credit risk across a diverse portfolio, including commercial real estate, structured finance, corporates, housing associations, and more. We welcome applications from all backgrounds and are committed to building a diverse and inclusive team where everyone can thrive.
What you’ll be doing:
- Analysing new credit risks across direct and bilateral transactions
- Collaborating with origination teams to optimise transaction structures
- Recommending internal credit ratings and contributing to committee decisions
- Monitoring portfolio performance and conducting annual reviews
- Responding to ad hoc requests including amendments and waivers
- Supporting digitisation and implementing process improvements
- Contributing to internal rating methodologies and best practices
- Mentoring junior colleagues and supporting internal reviews
Qualifications
Who we’re looking for:
- Experience in financial and credit analysis, ideally in commercial real estate
- Understanding of structured finance and transaction processes
- Ability to interpret macro and micro trends and their interactions
- Confidence in attending due diligence and management meetings
- Strong Excel skills with Python or SQL knowledge desirable
- Clear and concise communicator, both written and verbal
- Detail-oriented, creative thinker with a professional approach
- Collaborative team player with a drive to improve processes
Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer:
- The opportunity to participate in our annual, performance-related bonus plan and valuable share schemes
- Generous pension contribution
- Life assurance
- Healthcare Plan (permanent employees only)
- At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday
- Competitive family leave
- Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only)
- There are many discounts we offer – both for our own products and at a range of high street stores and online
- In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart
Additional Information
At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all. If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel. We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time, term-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can. It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.
Credit Ratings Analyst - Real Estate employer: Legal And General Group
Contact Detail:
Legal And General Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Ratings Analyst - Real Estate
✨Tip Number 1
Network like a pro! Reach out to professionals in the credit ratings and real estate sectors. Use platforms like LinkedIn to connect, ask questions, and learn about potential opportunities. Remember, sometimes it’s not just what you know, but who you know!
✨Tip Number 2
Prepare for interviews by researching L&G and understanding their approach to credit risk analysis. Familiarise yourself with their recent projects and values. This will help you tailor your responses and show that you’re genuinely interested in being part of their team.
✨Tip Number 3
Practice your analytical skills! Brush up on your Excel, Python, or SQL knowledge, as these are crucial for the role. Consider working on sample credit analyses or case studies to demonstrate your expertise during interviews.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take the initiative to engage directly with us. So, get your application in and let’s make great things happen together!
We think you need these skills to ace Credit Ratings Analyst - Real Estate
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that align with the Credit Ratings Analyst role. Highlight your financial and credit analysis experience, especially in commercial real estate, to catch our eye!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk analysis and how your background makes you a great fit for our team. Keep it concise but impactful.
Showcase Your Skills: Don’t forget to mention your Excel prowess and any knowledge of Python or SQL. We love detail-oriented, creative thinkers, so share examples of how you've used these skills in past roles.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands and shows us you’re serious about joining our diverse and inclusive team!
How to prepare for a job interview at Legal And General Group
✨Know Your Numbers
As a Credit Ratings Analyst, you'll be dealing with financial data all the time. Brush up on your financial and credit analysis skills before the interview. Be prepared to discuss specific examples of how you've assessed credit risks in the past, especially in commercial real estate.
✨Understand the Market
Familiarise yourself with current macro and micro trends affecting the real estate market. This will not only help you answer questions but also show that you're proactive and engaged with the industry. Bring insights to the table during discussions about how these trends impact credit risk.
✨Excel and Beyond
Make sure you're comfortable with Excel, as it's a key tool for this role. If you have experience with Python or SQL, highlight that too! You might be asked to demonstrate your skills, so consider preparing a small example or two that showcases your analytical abilities.
✨Be a Team Player
Collaboration is crucial in this role, so be ready to talk about your experiences working in teams. Share examples of how you've contributed to group projects or mentored others. This will show that you’re not just focused on individual success but also on helping your colleagues thrive.