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: • Assess Buy-to-Let (BTL) and commercial real estate lending applications against credit policy and delegated authority limits. • Support the Head of Credit in maintaining credit quality during the approval process. • Review and analyse financial information and credit applications. • Raise and resolve queries with Relationship Managers (RMs) within agreed turnaround times. • Ensure all material issues are addressed before submission for final credit approval. • Identify and escalate weaknesses or gaps in the credit approval process. • Prepare and maintain credit proposals and documentation in line with internal standards. • Monitor the ongoing performance and risk profile of the lending portfolio. • Review monthly and quarterly portfolio reports. • Prepare reports for sanctioning committees and annual credit reviews. • Maintain accurate electronic credit files and track outstanding information requests. • Ensure compliance with group credit policies and regulatory requirements. • Liaise with Credit Administration, Finance, Compliance, Audit and other stakeholders. • Support ad-hoc projects and assignments requested by the Head of Credit. • Keep up to date with changes in lending regulations, policies, systems and business activities. The successful candidate will have: • Strong academic background and professional qualifications. • 2–5 years' experience in commercial or real estate credit/risk management. • Direct experience in credit decision-making and sanctioning processes. • Experience with commercial real estate and residential lending portfolios. • Exposure to sectors such as offices, hotels, student accommodation, Buy-to-Let, and residential mortgages is advantageous. • Strong understanding of the UK SME lending market. • Excellent financial analysis skills and ability to interpret financial statements. • Good understanding of credit risk assessment, including risks and mitigants for on- and off-balance-sheet facilities. • Knowledge of credit approval, portfolio monitoring and risk management practices. • Strong attention to detail and ability to identify potential credit issues. • Good stakeholder management and communication skills. • Proficient in Excel, spreadsheets and database tools. • Ability to work within KPI-driven turnaround times and manage multiple priorities.