My client is seeking a highly skilled Credit Risk Analyst with expertise in commercial lending and real estate portfolios. The ideal candidate will play a crucial role in assessing, analysing, and managing credit risk associated with commercial lending activities, with a specific focus on real estate portfolios, late-stage collections, and recoveries.

Responsibilities:

• Conduct in-depth analysis of commercial lending portfolios, with a primary focus on real estate assets.
• Evaluate the creditworthiness of potential borrowers by reviewing financial statements, cash flow projections, and other relevant financial data.
• Assess credit risk associated with commercial lending and real estate transactions.
• Identify potential risks and propose mitigating strategies to minimize the impact on the portfolio.
• Develop and maintain sophisticated financial models to evaluate the financial health and viability of commercial real estate projects and borrowers.
• Utilise financial modelling tools to stress test various scenarios and evaluate potential impacts on the portfolio.
• Perform detailed underwriting of commercial real estate transactions, including reviewing property appraisals, environmental reports, and legal documentation.
• Collaborate with underwriting teams to ensure compliance with internal policies and regulatory requirements.
• Contribute to the development and enhancement of credit policies related to commercial lending and real estate portfolios.
• Stay abreast of industry trends and best practices to ensure the credit policies remain robust and effective.
• Collaborate with cross-functional teams, including loan officers, risk management, and legal, to gather necessary information and make informed credit decisions.
• Provide guidance and support to colleagues on credit-related matters.
• Prepare comprehensive credit risk reports for senior management, summarizing portfolio performance, risk exposure, and key metrics.
• Monitor and report on credit trends, identifying potential areas of concern.

Qualifications:

• Proven experience in credit risk analysis, specifically in commercial lending and real estate portfolios.
• Strong financial analysis and modelling skills.
• Familiarity with relevant regulatory requirements and industry best practices.
• Excellent communication and interpersonal skills.
• Ability to work independently and as part of a team.