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For Companies At a Glance
- Tasks: Analyse credit risks and contribute to ratings in a dynamic real estate portfolio.
- Company: Join Legal & General, a leading UK financial services group with a global impact.
- Benefits: Enjoy competitive salary, bonuses, generous leave, and health benefits.
- Why this job: Make a difference in financial futures while developing your analytical skills.
- Qualifications: Experience in financial analysis and strong Excel skills required.
- Other info: Flexible working options and a supportive, inclusive culture await you.
The predicted salary is between 36000 - 60000 £ per year.
Overview
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 opportunities in this area focus on real estate credit risk analysis within a supportive and diverse team environment.
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.
Responsibilities
- 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
- 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
Benefits
- 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 the many discounts we offer – both for our own products and at a range of high street stores and online
- Office spaces designed to support collaboration and wellbeing
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 about flexible working options and are open to discussing arrangements including part-time and job shares where possible. It doesn’t matter if you don’t meet every single criterion in this advert. Consider what you excel at and what else you can bring in terms of strengths and potential.
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Credit Analyst - Real Estate employer: Legal & General
Contact Detail:
Legal & General Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst - Real Estate
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can refer you directly.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their values and how they align with your own. This will help you stand out and show that you're genuinely interested in being part of their team.
✨Tip Number 3
Practice your pitch! Be ready to explain why you're the perfect fit for the Credit Analyst role. Highlight your experience in financial analysis and your understanding of real estate to make a strong impression.
✨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 with us directly.
We think you need these skills to ace Credit Analyst - Real Estate
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Analyst role. Highlight your experience in financial and credit analysis, especially in commercial real estate. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how you can contribute to our team. Keep it clear and concise, just like we value in communication.
Showcase Your Analytical Skills: In your application, don’t forget to showcase your analytical skills. Mention any experience with Excel, Python, or SQL, as these are super relevant for the role. We love detail-oriented candidates who can think creatively!
Apply Through Our Website: We encourage you to apply through our website for the best chance of getting noticed. It’s straightforward and ensures your application goes directly to us. Plus, we’re excited to see what you bring to the table!
How to prepare for a job interview at Legal & General
✨Know Your Numbers
As a Credit Analyst, you'll be dealing with financial data all the time. Brush up on your financial and credit analysis skills before the interview. Be ready 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 show your knowledge but also your ability to interpret these trends in relation to credit risk. Bring insights to the table during discussions to demonstrate your analytical thinking.
✨Excel at Excel
Strong Excel skills are a must for this role. Make sure you can confidently navigate complex spreadsheets and perform analyses. If you have experience with Python or SQL, mention it! It could set you apart from other candidates.
✨Be a Team Player
Collaboration is key in this role. Prepare to discuss how you've worked with teams in the past, particularly in optimising transaction structures or mentoring junior colleagues. Show that you're not just a lone wolf but someone who thrives in a collaborative environment.