We are looking for an experienced Credit Analyst to join this Private Bank in London, to apply you need to have 2 – 3 year’s experience in a similar role, to include Credit Analysis tools, cashflow modelling for real estate proposals, solid lending and banking experience, ideally in residential lending.
You will be responsible for monitoring, amending, and delivering quality credit applications, 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.
You will provide guidance to Relationship Managers on the preparation of quality credit applications in line with the banks UKs Risk Appetite.
Provide credit analysis Real Estate proposals covering compliant 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.
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 the 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.