Credit Analyst – Real Estate Lending Location: Central London (Hybrid) Salary: £55,000 – £65,000 + bonus + benefits
We are partnering with a respected and well-capitalised SME bank in London is seeking an experienced Credit Analyst to join its Private Banking division. The role has arisen due to an internal promotion. This is a unique opportunity for a financially astute professional with exposure to real estate credit analysis and loan administration to work in a collaborative, high-calibre environment. The Bank is small which means that most staff are ‘generalists / multi-taskers’ which means you will hold a variety of responsibilities which makes the work very interesting and varied.
The successful candidate will support the Private Banking Relationship Managers across a portfolio of residential and buy-to-let real estate facilities, ensuring the delivery of high-quality credit applications, risk assessments, and client servicing. You’ll enjoy a hands-on role where analytical rigour meets commercial awareness, contributing to both credit decisioning and ongoing portfolio management.
Key Responsibilities:
Prepare and review credit proposals and annual reviews, including financial analysis, cashflow modelling, and risk assessment using financial ratios, credit scoring models and cashflow analysis.
Support the administration and monitoring of regulated and non-regulated real estate facilities.
Supply administration support to the relationship managers too
Assist with portfolio management, ensuring compliance with internal credit policy and regulatory standards.
Contribute to AML reviews and maintain accurate reporting and MI for management.
Collaborate with Credit Risk, Compliance, and Relationship Managers to ensure transactions are efficiently executed and monitored.
Skills and Experience:
Prior experience in credit analysis or loan administration within banking or real estate lending.
Strong knowledge of financial modelling, cashflow analysis, and credit assessment tools (experience with Moody’s Analytics is a plus).
Excellent attention to detail, communication skills, and comfort working in a multi-tasking environment.
Sound understanding of the UK real estate market and associated legal/valuation processes.
Advanced Excel and data management skills.
This position offers the chance to develop within a dynamic and supportive banking environment that values quality, integrity, and continuous learning. Note : Work sponsorship of any kind will not be offered by this employer
