Job Description

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
Tagged as: credit analysis, loan administration, private banking, real estate

Skills Required