Credit Analyst - London

Due to business expansion, a City based subsidiary of an overseas bank has an immediate opportunity for a Credit Analyst role in their Credit function which will focus predominantly on the processing of credit proposals sent from the branch network in the UK.


The vast majority of proposals will involve real estate transactions such as buy to let (residential and commercial) and development loans, although some corporate/ commercial business may feature from time to time.


This will incorporate assessing new proposals, reviews and renewals, amendments and waivers, and will require good communication skills to discuss the same with the submitting branch team members. Following this the candidate will be required to present their recommendations to those involved in the credit process, including credit sanctioning committees.


The successful candidate will also be involved in reviewing quarterly risk review summaries sent from the Branch network, which will include examination, identification & investigation of any early warning signals such as excesses, payment delays, covenant breaches, defective documents and make recommendations on the same to the Head of Credit.


At month end and quarter dates, the candidate may also be required to assist with some forms of management information preparation for use in management committees. This task will involve liaison with other key functions of the Bank such as Finance and Risk.


The ideal candidate will have: -

  • Strong credit analysis skills, gained over 1+ years of experience in the UK market, with strong emphasis towards real estate transactions, although some experience in corporate/ commercial transactions would be an added bonus.
  • This will entail not only credit assessment but the ability to interpret valuation reports and various forms of financial and non-financial information, awareness of the UK real estate environment, trends etc.
  • The ideal candidate should have experience in the UK real estate (BTL Commercial & Resi and Development Loans) and have a good knowledge and understanding as to how UK banks operate.
  • An education at degree level or above.
  • Strong skills in both spoken and written English.
  • Strong skills in both Word and Excel.
  • Experience in management information production using Excel and graphical illustrations.
  • Good communication skills at all levels, from officer level up to senior management.
  • Familiarity with bank credit policies and procedures and be able to interpret and follow effectively.
  • The ability to act with integrity, due skill, care and diligence in line with the Bank’s core principles.


As this is a small friendly team, the role would suit someone who is a team player and is able to engage easily with fellow team members.


Our client is an equal opportunities employer, and ensures that no applicant is subject to less favourable treatment on the grounds of gender, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, responsibilities for dependants, physical or mental disability. Candidates are selected for interview based on their skills, qualifications and experience.


Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation.


For further information, please contact: 

Enrico Castagnetti, Wintermann Search & Selection Limited

Mobile:        +44 (0)7711 267500



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