Credit Analyst - Real Estate - eFinancialCareers

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 .

The Role

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.

Key Responsibilities

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

Candidate Profile

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:

• Real estate finance
• Digital infrastructure / data centres
• Corporate lending
• Financial institutions
• 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.

We are particularly interested in candidates who can demonstrate:

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

Why Consider This Opportunity?

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.