Corporate Banking Analyst
1 month ago
To support the Senior Relationship Manager in managing a Commercial Real Estate Portfolio, as outlined in further detail below.
Key Responsibilities:
- Manage both new and existing commercial real estate relationships, supporting the SRM in complex transactions to achieve business objectives aligned with budget, risk appetite, policies, procedures, regulations, and overall strategy.
- Serve as the primary point of contact for day-to-day client inquiries.
- Attend client meetings and/or conduct property inspections as directed by the SRM.
- Manage the assigned portfolio in collaboration with the Head of Department during the SRM’s absence.
- Assist in monitoring non-performing loans, including coordinating with solicitors, receivers, and third parties. This includes managing arrears and recommending recovery strategies.
- Maintain a thorough understanding of credit policy, identifying and managing risks for both new and existing loans, and ensuring compliance with AML, operational, conduct, data protection, IT, and other associated risks.
- Oversee the provision of Compliance Certificates and required information for the assigned portfolio, actively maintaining a diary system, requesting information from borrowers, and updating the portfolio log. Raise non-compliance issues and anomalies with the SRM promptly.
- Complete Annual Credit Reviews of facilities (subject to SRM review) within the deadlines set by the Credit Risk Department.
- Support the SRM in preparing Credit Applications and Credit Rating Models as required.
- Handle the Transaction Completion Process following credit approval, ensuring all documentation, booking, and drawing of facilities are correctly processed in the Bank’s systems.
- Stay updated on industry news and developments.
Required Skills:
- 1-3 years of Corporate banking experience within a real estate team.
- Excellent attention to detail, including proficiency in accurately interpreting legal clauses and LMA loan documentation.
- A solid work ethic coupled with strong teamwork abilities.
- Effective communication skills, both written and verbal, for interaction with internal and external stakeholders.
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