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- Tasks: Join a prestigious bank as a Senior Credit Officer, managing real estate finance and client relationships.
- Company: A highly respected specialist bank located in the heart of London.
- Benefits: Earn up to £85,000 plus excellent bonuses and benefits.
- Why this job: Be part of a dynamic team, shaping financial solutions and making impactful decisions.
- Qualifications: University degree in finance or related field; experience in real estate lending required.
- Other info: Work permit required for non-passport holders of the country.
The predicted salary is between 68000 - 102000 £ per year.
Up to £85,000 plus excellent bonus and benefits. A fantastic opportunity has arisen to join a highly prestigious specialist bank in the heart of the City of London. We are seeking a dynamic and experienced professional to fill the role of Senior Credit Officer, specializing in structured finance, property investment finance, and real estate finance. The role will involve completing the loans that are introduced to the Bank by the Sales Managers, and you will be responsible for the on-going relationships and risk management within the portfolio. If you have strong interpersonal and credit analysis skills, and have a knowledge of real estate finance, please read on and APPLY NOW.
Duties of the Senior Credit Officer to include:
- Client/Broker Interaction: Meet with clients and brokers to understand their requirements, assisting in the structuring of transactions to achieve a mutually beneficial outcome.
- Transaction Review: Review and approve term sheets, critically assess Credit Papers before submission to the Credit Committee, and actively contribute as a member of the Structured Finance Credit Committee.
- Risk Management: Take ownership of credit and risk management within the team. Oversee the monitoring of loan covenants and conditions, ensuring adherence to regulatory standards.
- Portfolio Monitoring: Monitor the portfolio, proactively identify potential risks, and make recommendations for distressed loans. Play a key role in early identification of deteriorating trends.
- Stakeholder Engagement: Liaise with senior internal stakeholders, attend regular portfolio reviews, and actively participate in risk review meetings.
- File Review and Approval: Review files, sign off on valuations, and monitor surveyor reports, reports on title, and other legal documents, ensuring compliance with established guidelines and regulations.
Requirements of the successful candidate:
- Educated to University Undergraduate level (or equivalent), ideally in finance, business, or related field.
- Proven experience in real estate and property lending, with expertise in bridging loans and development finance.
- In-depth understanding of credit and risk management.
- Strong analytical and decision-making skills.
- Excellent communication and interpersonal skills.
Senior Credit Officer (Real Estate and Investment Property Finan employer: Montpellier Resourcing
Contact Detail:
Montpellier Resourcing Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Officer (Real Estate and Investment Property Finan
✨Tip Number 1
Network with professionals in the real estate finance sector. Attend industry events, webinars, or local meetups to connect with potential colleagues and learn about the latest trends. This can help you gain insights into what companies like ours are looking for in a Senior Credit Officer.
✨Tip Number 2
Familiarise yourself with the specific types of loans and financial products that are prevalent in the real estate market. Understanding bridging loans and development finance will give you an edge in discussions with hiring managers and demonstrate your expertise.
✨Tip Number 3
Prepare to discuss your experience with credit analysis and risk management in detail. Be ready to provide examples of how you've successfully managed portfolios and mitigated risks in previous roles, as this will be crucial for the position.
✨Tip Number 4
Research our company culture and values. Understanding what we stand for and how we operate will allow you to tailor your conversations during interviews, showing that you're not just a fit for the role but also for our team.
We think you need these skills to ace Senior Credit Officer (Real Estate and Investment Property Finan
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in real estate finance and credit analysis. Use specific examples that demonstrate your skills in structured finance and risk management.
Craft a Compelling Cover Letter: Write a cover letter that addresses the key responsibilities of the Senior Credit Officer role. Explain how your background aligns with the requirements, particularly your interpersonal skills and experience with property investment finance.
Highlight Relevant Experience: In your application, emphasise any previous roles where you managed portfolios or engaged with clients and brokers. Detail your experience with credit papers and transaction reviews to showcase your suitability for the position.
Proofread Your Application: Before submitting, carefully proofread your application for any spelling or grammatical errors. A polished application reflects your attention to detail, which is crucial for a role in credit and risk management.
How to prepare for a job interview at Montpellier Resourcing
✨Know Your Numbers
As a Senior Credit Officer, you'll need to demonstrate a strong grasp of financial metrics and credit analysis. Brush up on your knowledge of structured finance, property investment finance, and real estate finance. Be prepared to discuss specific examples from your past experience where you successfully managed risk and made sound financial decisions.
✨Showcase Your Interpersonal Skills
This role involves significant client and broker interaction. During the interview, highlight your ability to build relationships and communicate effectively. Share anecdotes that illustrate how you've successfully navigated complex discussions or resolved conflicts in previous roles.
✨Prepare for Technical Questions
Expect to face technical questions related to credit papers, term sheets, and risk management. Familiarise yourself with common scenarios that may arise in real estate finance and be ready to explain how you would approach them. This will showcase your expertise and problem-solving abilities.
✨Understand the Bank's Risk Appetite
Research the bank's specific risk appetite and compliance standards. Be prepared to discuss how you would ensure that transactions align with these guidelines while still meeting client needs. This shows that you are proactive and understand the balance between risk management and client satisfaction.
