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Credit Analyst

MW Recruitment Ltd
North West London, London, United Kingdom
Competitive Salary
Closing date
Nov 25, 2022

View more

Job Role
Credit Control
Contract Type
Full Time
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Our client is a successful bank based in the West End. An opportunity has arisen due to growth to assist the Private Banking Relationship Management team with the completion of credit applications including risk analysis for residential properties for HNWI clients..

Duties will include:

Portfolio Management

Proactively monitor, amend and deliver quality credit applications for owner occupied (both regulated and non-regulated) and BTL facilities.

Monitor compliance with credit policy, relevant local regulations, business strategy and real estate underwriting standards.

Drive enhanced levels of credit portfolio MIS for presentation through internal meetings such as pipeline discussions.

Risk Management

Provide guidance to Relationship Managers on the preparation of quality credit applications in line with UKs Risk Appetite Statement.

Provide credit analysis Real Estate proposals covering facilities for residential properties.

Embrace and embed a strong credit culture by meeting the highest standards in the Bank.

Undertake robust transaction cashflow modelling for new and existing cases, including downside scenario analysis.

Credit Control and Monitoring

Compile and ensure timely and accurate submission of credit applications and annual credit reviews.

Identify possible enhancements and streamlining to the credit application process in the Private Banking department.

Work with Credit Risk team to ensure the final legal documentation and analysis is in keeping with the approved terms and conditions.

Reviewing the transaction pre completion checklist and the drawdown form prior to any funds being disbursed.

Maintain ongoing records of required information i.e. Conditions Subsequent, AST Agreements etc.

The ideal candidate will have strong data analysis skills
  • Experience of credit analysis tools
  • Cashflow modelling for real estate proposals
  • Good lending/banking experience, including extensive credit-related experience ideally within residential lending within a Private Banking environment.
  • Experience in managing interactions with clients, external contacts and UK colleagues.

This role will be office-based for training for the first 2 months and then move to a hybrid model. In return, you can expect a competitive package with a successful organisation.
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