Senior Credit Analyst - IPOE Consulting

Responsibilities

• Prepare comprehensive credit evaluation reports , including transaction overviews, financial and non-financial risk analysis, key risk identification, mitigations, and credit recommendations (including credit enhancements and management conditions).
• Support the implementation and ongoing refinement of the bank's credit risk appetite, policies, procedures, and governance frameworks .
• Lead credit assessments primarily for Commercial Real Estate transactions, with exposure to additional sectors as required.
• Provide independent challenge and guidance to Front Office proposals, ensuring alignment with internal credit policies.
• Draft and present clear, well-reasoned credit opinions to the Credit Committee, delivering timely turnaround in line with departmental SLAs.
• Advise the Head of CRD, Deputy General Manager (Credit), and Credit Committee on material risks and appropriate mitigation strategies.
• Perform credit reviews and industry research for new proposals and existing clients (at least annually).
• Proactively monitor sector, industry, and counterparty risks , identifying early warning signals.
• Undertake additional duties as required to support senior management within Credit Risk.
• Candidate Profile
• 8-10+ years' experience in Commercial Real Estate credit analysis / credit review within banking or financial services.
• Strong understanding of credit risk across industries, geographies, and client types , with well-developed business and macroeconomic insight.
• Advanced financial analysis, forecasting, and stress-testing capabilities.
• Excellent analytical, negotiation, and problem-solving skills with a proactive, solutions-oriented mindset.
• Collaborative team player with the ability to work independently and manage competing priorities effectively.
• Why Apply?
• Senior-level role within a reputable international banking environment
• Exposure to complex, high-value CRE transactions
• Direct interaction with Credit Committee and senior management
• Competitive salary and long-term career progression
• Interested candidates are encouraged to apply or reach out directly for a confidential discussion.

Additional Information

Senior Credit Analyst - Commercial Real Estate City of London International Bank Salary: £90,000 - £100,000 + benefits An established international bank based in the City of London is seeking an experienced Senior Credit Analyst to join its Credit Risk Department (CRD) . This is a high-impact role offering exposure to complex credit approvals, senior stakeholder engagement, and a strong focus on Commercial Real Estate (CRE) transactions. Reporting to the Deputy Head / Manager of Credit Risk , you will play a key role in credit evaluation, portfolio monitoring, and risk governance, supporting the bank's strategic growth while maintaining robust credit discipline.

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