As a Credit Analyst you will be responsible for:

• Responsibility for the operational running of the Retail Credit
• To provide support to the Head Retail Credit in all operational areas of the Retail Credit
• Manage the assessment and processing of lending proposals from the Retail network, and the presentation of proposals to Risk
• Operational responsibility for the annual review process for all existing credit portfolio loans to ensure that all borrowing requirements and covenants are being adhered to.
• Manage the review, assessment, investigation and minimizing of credit risks associated with loan applications in accordance with the Banks operating policies and procedures.
• Provide a clear rationale for agreeing or rejecting applications, prior to submitting to the Head Retail Credit.
• Monitoring of existing loan portfolio, identifying early arrears or potential problem accounts and making necessary
• Support the Head of Credit in the review and monitoring of watch list
• Compile, analyze and report portfolio information to enable calculation of general provision levels and for regulatory and general purpose.
• Ensure the credit decisions are made within regulatory standards and adhere to TCF principles and Customer First
• Design and deliver credit training to branches to ensure full understanding of policies and practices.

As a Credit Analyst you will need:

• Experience in all the above
• Knowledge of UK real estate Market/Intermediaries Market and Balance sheet analysis
• Knowledge of Lending Products available in the Market
• Knowledge of Microsoft Office products
• Knowledge of UK regulatory framework, principles and rules
• Knowledge of UK lending environment
• Experience in underwriting and assessing credit
• Knowledge of fraud Detection Tools/systems like Hunter/CIFAS
• CEMAP qualification

Please contact me ASAP on 02038460802 or bethany@kennedypearce.com if you are interested in discussing this excellent opportunity.