Credit Analyst - Real Estate - eFinancialCareers - #2134882

Vice President – Credit Analyst | Financial Institutions / Real Estate & Infrastructure

London | Permanent | Office-based

Our client is an established international financial institution with a growing presence in the UK market. As part of the continued development the firm is looking to appoint a Credit Analyst to join its London team.

This is an excellent opportunity for an experienced credit professional to take on a broad role combining credit analysis, transaction assessment, portfolio management and client coverage , with a particular focus on real estate, digital infrastructure and corporate financing .

Working closely with senior Relationship Managers and the wider Corporate Banking platform, you will be responsible for assessing new and existing clients, supporting origination activity and providing high-quality credit analysis across a range of financing opportunities.

The role will have significant exposure to clients and senior stakeholders and will suit someone who enjoys combining detailed financial analysis with a commercially focused, client-facing environment.

1. Undertake detailed credit analysis and financial assessment of new and existing clients.
2. Focus primarily on real estate, digital infrastructure/data centres and corporate financing .
3. Prepare annual and periodic credit reviews, including financial analysis, industry assessment and overall risk evaluation.
4. Assess new lending opportunities, amendments, waivers and other ad-hoc credit requests.
5. Review financing structures, loan documentation, conditions precedent and financial covenants.
6. Monitor borrower performance and ongoing compliance with agreed loan terms and covenants.
7. Work closely with Relationship Managers on origination, client coverage and strategic account planning .
8. Participate in client meetings and engage directly with customers where appropriate.
9. Support the development and execution of account plans across a broader range of financial products.
10. Prepare internal credit papers, approval summaries and executive-level materials.
11. Support client onboarding and KYC processes, working closely with Middle Office and Compliance.
12. Liaise effectively across Front Office, Risk, Middle Office, Back Office and Compliance.
13. Contribute to the growth of the UK franchise and development of client wallet share.

We are looking for an experienced Credit Analyst / Credit professional with a strong understanding of corporate lending and ideally experience within one or more of the following areas:

1. Real estate finance
2. Digital infrastructure / data centres
3. Corporate lending
4. Financial institutions
5. Structured or leveraged finance

You should have a strong grasp of credit fundamentals, financial analysis, lending structures and financial markets , together with the ability to assess risk and exercise sound commercial judgement.

Knowledge of interest-rate hedging and wholesale deposit products would also be advantageous.

1. Strong credit analysis and financial modelling skills.
2. Experience assessing corporate or institutional borrowers.
3. Good understanding of real estate financing and/or infrastructure financing.
4. Ability to analyse complex financial information and identify key credit risks.
5. Strong written and verbal communication skills.
6. Confidence dealing with senior internal stakeholders and clients.
7. A proactive, commercially minded approach.
8. Ability to work independently while operating effectively within a wider team.
9. Strong judgement and problem-solving capability.

This is a broad and high-profile position offering the opportunity to work across credit, corporate banking, origination and client coverage , rather than operating purely within a traditional credit function.

The successful candidate will gain exposure to sophisticated financing transactions and a diverse institutional client base, while playing an important role in the continued expansion of the firm's UK business.