Real Estate Credit Analyst

Real Estate Credit Analyst

City of London

Hybrid (4/1 split)

Permanent

£50,000 - £70,000

cer Financial are working alongside an international bank, who are based in the City of London. They are seeking a Real Estate Credit Analyst will include:

The responsibilities of the Real Estate Credit Analyst will include:

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• Assess Buy-to-Let (BTL) and commercial real estate lending applications against credit policy and delegated authority limits.
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• Support the Head of Credit in maintaining credit quality during the approval process.
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• Review and analyse financial information and credit applications.
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• Raise and resolve queries with Relationship Managers (RMs) within agreed turnaround times.
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• Ensure all material issues are addressed before submission for final credit approval.
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• Identify and escalate weaknesses or gaps in the credit approval process.
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• Prepare and maintain credit proposals and documentation in line with internal standards.
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• Monitor the ongoing performance and risk profile of the lending portfolio.
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• Review monthly and quarterly portfolio reports.
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• Prepare reports for sanctioning committees and annual credit reviews.
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• Maintain accurate electronic credit files and track outstanding information requests.
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• Ensure compliance with group credit policies and regulatory requirements.
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• Liaise with Credit Administration, Finance, Compliance, Audit and other stakeholders.
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• Support ad-hoc projects and assignments requested by the Head of Credit.
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• Keep up to date with changes in lending regulations, policies, systems and business activities.
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The successful candidate will have:

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• Strong academic background and professional qualifications.
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• 2–5 years' experience in commercial or real estate credit/risk management.
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• Direct experience in credit decision-making and sanctioning processes.
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• Experience with commercial real estate and residential lending portfolios.
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• Exposure to sectors such as offices, hotels, student accommodation, Buy-to-Let, and residential mortgages is advantageous.
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• Strong understanding of the UK SME lending market.
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• Excellent financial analysis skills and ability to interpret financial statements.
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• Good understanding of credit risk assessment, including risks and mitigants for on- and off-balance-sheet facilities.
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• Knowledge of credit approval, portfolio monitoring and risk management practices.
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• Strong attention to detail and ability to identify potential credit issues.
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• Good stakeholder management and communication skills.
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• Proficient in Excel, spreadsheets and database tools.
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• Ability to work within KPI-driven turnaround times and manage multiple priorities.
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