Banking Job - Senior Credit Analyst - Commercial Real Estate - London - M

The Skills You'll Need: English fluent, extensive experience within Commercial Real Estate Finance credit review area within banking.

Your New Salary: Competitive Depending on experience

Hybrid: 1 day at home.

Employment Type: Permanent

Start: ASAP

What You'll be Doing Each Day:

• This position mainly focuses on Commercial Real Estate Finance business and may also cover some other sectors' credit business based on the types of proposals from the front office.
• Provide credit evaluation reports for various credit products which provide an overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigation if any, as well as credit recommendations (including suggested credit enhancement as well as management conditions). Assist with the implementation of credit risk appetite, credit policies, procedures, and management processes once they are established. Ensure that the credit transactions are compliant with credit policies.
• Provide effective challenges as well as guidance to the proposals from Front Office; draft and present credit opinions to the Credit Committee, 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 the Head of CRD and DGM (credit) as well as the credit committee with professional risk analysis and appropriate risk mitigation measures in a timely manner.
• Conduct post-lending management work including but not limited to: 1) monitor the credit ceilings and credit exposures carefully to ensure loans are performing well with all covenants maintained, 2) monitor the financial performance of the borrower regularly associated with market and industry dynamics, 3) 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 (at least annually) for existing customers.
• Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.

The Skills You'll Need to Succeed:

• Solid work experience in Commercial Real Estate Finance credit review area.
• In-depth knowledge and deep understanding of risks and mitigations across different industries, countries, and client types. 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.