Credit Analyst, Commercial Real Estate
Credit Analyst, Commercial Real Estate

Credit Analyst, Commercial Real Estate

London Full-Time 43200 - 72000 £ / year (est.) No home office possible
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At a Glance

  • Tasks: Evaluate credit risks in Commercial Real Estate and provide recommendations to the Credit Committee.
  • Company: Join a leading Global Bank focused on minimising credit-related losses.
  • Benefits: Enjoy competitive pay, professional development opportunities, and a collaborative work environment.
  • Why this job: Make a real impact by shaping financial decisions and enhancing your analytical skills in a dynamic sector.
  • Qualifications: 8-10 years of experience in Commercial Real Estate credit review and strong analytical skills required.
  • Other info: Candidates must be eligible to work in the UK and provide relevant documentation.

The predicted salary is between 43200 - 72000 £ per year.

Our client, a Global Bank, is looking to hire a Credit Analyst to cover Commercial Real Estate.

Principal Purpose of the Job: Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews etc. Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank’s credit policies, regarding the acceptability of particular business deals from a credit perspective whilst simultaneously maintaining an independent and objective view within the credit process. Effectively monitoring, identifying and reasonably measuring credit risk within the Bank’s asset portfolio.

Reporting Relationship: The Credit Risk Department is in charge of the Credit Approval and Credit Management functions. This role will report to the Deputy Head/Manager in Credit Risk Department who is in charge of the credit approval work in CRD.

Main Responsibilities & Accountabilities:

  • Complete credit evaluation report which provides overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigation if any as well as credit recommendation (including suggested credit enhancement as well as management conditions).
  • Assisting with the implementation of credit risk appetite, credit policies and procedures and management processes once they are established.
  • Make sure the credit transactions are compliant with credit policies.
  • This position mainly focuses on Commercial Real Estate business and may also cover some other sector’s credit business based on the types of proposal from front office.
  • Provide effective challenges as well as guidance to the proposals from Front Office; Draft and present credit opinions to Credit Committee, by maintaining an objective and independent view within the credit process, in accordance with the Bank’s credit policies.
  • Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives.
  • Provide Head of CRD and DGM (credit) as well as credit committee with the professional risk analysis and appropriate risk mitigation measure in a timely manner.
  • Conduct post lending management work including but not limited to: monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained; monitor the financial performance of the borrower regularly associated with market and industry dynamics; monitor the conditions subsequent and ensure all conditions are met at any time through the loan life.
  • Perform credit review and research of industry/customer-related information for all new proposals and (on at least an annual basis) for existing customers.
  • Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
  • Other functions and tasks as maybe required to assist the Head/Deputy Head of Credit Risk.

Senior Management Function (SMF): One that involves the person performing it being responsible for managing one or more aspects of the firm’s affairs, so far as it relates to regulated activities, and those aspects involve, or might involve, a risk of serious consequence for the person, or for the firm or for other interests in the UK.

Certification: One where the person could pose a risk of significant harm to the firm or any of its customers: (Not applicable)

Skills Required:

  • Possesses a minimum of 8-10 years' work experience in Commercial Real Estate credit review area.
  • In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and clients’ type.
  • Business and economy related know-how, and excellent financial analysis, projection and stress test skills.
  • Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
  • Collaborative personality and ability to complete tasks independently.

Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation.

Credit Analyst, Commercial Real Estate employer: Wintermann Search

As a leading Global Bank, we pride ourselves on fostering a dynamic and inclusive work environment that prioritises employee growth and development. Our Credit Analysts play a crucial role in minimising credit-related losses while enjoying comprehensive benefits, a collaborative culture, and opportunities for professional advancement within the thriving financial sector of the UK. Join us to be part of a team that values integrity, innovation, and excellence in Commercial Real Estate finance.
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Contact Detail:

Wintermann Search Recruiting Team

StudySmarter Expert Advice 🤫

We think this is how you could land Credit Analyst, Commercial Real Estate

✨Tip Number 1

Familiarise yourself with the latest trends in Commercial Real Estate. Understanding current market dynamics and emerging risks will not only help you in interviews but also demonstrate your proactive approach to credit analysis.

✨Tip Number 2

Network with professionals in the banking and real estate sectors. Attend industry events or join relevant online forums to connect with others who can provide insights or even referrals for the Credit Analyst position.

✨Tip Number 3

Brush up on your analytical skills, particularly in financial modelling and risk assessment. Being able to showcase your ability to evaluate credit risks effectively will set you apart from other candidates.

✨Tip Number 4

Prepare to discuss specific case studies or examples from your past experience where you successfully identified and mitigated credit risks. This will highlight your practical knowledge and problem-solving abilities during the interview process.

We think you need these skills to ace Credit Analyst, Commercial Real Estate

Credit Risk Assessment
Financial Analysis
Commercial Real Estate Knowledge
Risk Mitigation Strategies
Analytical Skills
Negotiation Skills
Problem-Solving Skills
Attention to Detail
Industry Trend Analysis
Regulatory Compliance
Report Writing
Communication Skills
Independent Decision-Making
Collaboration Skills
Time Management

Some tips for your application 🫡

Tailor Your CV: Make sure your CV highlights your experience in Commercial Real Estate credit review. Focus on relevant skills such as financial analysis, risk assessment, and any specific projects that demonstrate your expertise in this area.

Craft a Strong Cover Letter: In your cover letter, clearly express your understanding of the role and how your background aligns with the responsibilities outlined. Mention specific experiences where you successfully identified and mitigated credit risks.

Highlight Relevant Skills: Emphasise your analytical and negotiation skills in both your CV and cover letter. Provide examples of how you've used these skills to make clear recommendations or improve credit processes in previous roles.

Showcase Industry Knowledge: Demonstrate your knowledge of industry trends and counterparty risks in your application. This could be through mentioning relevant certifications, courses, or insights from your previous work that relate to the Commercial Real Estate sector.

How to prepare for a job interview at Wintermann Search

✨Know Your Credit Analysis Inside Out

Make sure you have a solid understanding of credit analysis, especially in the context of Commercial Real Estate. Be prepared to discuss your previous experiences and how you've identified and mitigated credit risks in past roles.

✨Demonstrate Analytical Skills

Showcase your analytical abilities by discussing specific examples where you've conducted financial analyses or stress tests. Highlight how these analyses influenced credit recommendations and decisions.

✨Prepare for Scenario Questions

Expect scenario-based questions that assess your problem-solving skills. Think about potential credit proposals and how you would evaluate their risks and recommend actions to the Credit Committee.

✨Stay Updated on Market Trends

Familiarise yourself with current trends in the Commercial Real Estate market. Being able to discuss recent developments and their implications on credit risk will demonstrate your proactive approach and industry knowledge.

Credit Analyst, Commercial Real Estate
Wintermann Search
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