Credit Risk Corporates UK - Commercial Real Estate - Senior Manager

As part of Corporate & Investment Banking (CIB) the area interacts with global markets, global lending & advisory and transactional businesses for global corporate clients and institutional investors’ requests. In addition, Credit GRM UK has a close contact with corporate credit areas of all the geographies the Group works with. At the same time we are also focusing in some new Mid UK Corporates.

About the job:

About the role:

Manage end-to-end processes from pre-screening and admission of individual operations to the extinction of approved risks.

Provide credit analysis and risk advices for Corporate & Investment Banking clients, with special focus, but not limited to, Real Estate companies.

Conduct credit analysis on prospective and existing clients by establishing and managing financial programs, providing a credit rating assessment and prepare credit proposals.

Monitor the credit risk portfolio by follow-up the clients’ financial evolution and credit exposure at all times.

Participation in credit and business committees.

Highlight to credit committee if there is an event and/or financial position that may materially affect the credit quality of the client and to undertake necessary steps and follow-up actions recommended in the Loan Review Committee.

Lliaising with different internal / external stakeholders and all different units linked to the admission and monitoring process.

Assess operations on credit / pricing.

Assist in monitoring policies and procedures.

What are we looking for?

Previous Experience and Technical Knowledge:

Minimum of 8 years of credit risk underwriting experience within a corporate or commercial banking environment.

Comprehension and analysis of financial statements, ratings, profitability, sector guidelines, projections and ESG related aspects.

Demonstrable experience and knowledge in Real Estate risk analysis.

Knowledge of different products as well as structures (LBOs, FI, Financial Sponsors, Leverage Finance, etc).

Knowledge of UK and Nordic Corporates, Financial sponsors activity and structure, Leverage Finance and Real Estate.

Data Analysis and Data Driven management.

Rating tools knowledge.

ESG knowledge is highly valuable.

Languages:

Fluent in English (C1) and Spanish (desirable).

Other languages are valuable.