Credit Analyst

Our client is a leading international bank with a strong presence in Private Banking, specialising in Islamic residential mortgages for high-net-worth clients in Prime Central London. They are now seeking an Associate Credit Analyst to join their Private Banking team.

This role will support Relationship Managers by delivering high-quality credit analysis, AML reviews, and portfolio monitoring while also assisting senior management with reporting and management information.

Key Responsibilities

• Prepare and review credit applications for regulated and non-regulated residential and Buy-to-Let facilities.
• Conduct detailed financial and cashflow analysis, including downside scenario modelling.
• Monitor compliance with credit policies, risk appetite, and regulatory requirements.
• Support Relationship Managers with AML reviews, ensuring documentation is up to date and identifying changes to client structures or income profiles.
• Assist the Head of Private Banking in producing reports, including Manco and Consumer Duty, and maintaining MI across new deals, renewals, and annual reviews.
• Liaise with Credit Risk, Compliance, and external parties such as valuers and lawyers to ensure transactions are completed accurately and in line with approvals.

Skills & Experience

• Strong credit analysis experience, ideally within residential real estate lending in a Private Banking environment.
• Proven experience of writing credit proposals
• Knowledge of real estate markets, financing due diligence, and legal/valuation requirements.
• Hands-on experience in cashflow modelling and transaction management.
• Recent exposure to AML and compliance requirements.
• Proficiency in MS Office with excellent written and verbal English.
• Highly organised, detail-oriented, and able to work under pressure.

Personal Qualities

• Strong communication and interpersonal skills with confidence to engage with senior stakeholders and external professionals.
• Integrity, diligence, and a commitment to high professional standards.
• Flexible, proactive, and able to work independently.

A fantastic opportunity to join a prestigious bank and play a key role in supporting high-value transactions and ensuring robust credit risk management.