Private Banking - Credit Analyst (Internal Applications Only)

This role is only open to internal candidates.

Key Responsibilities

• Support Private Bankers / Mortgage Specialists to deliver thorough and suitable lending advice to their clients.
• Undertake accurate and relevant research and data analysis, providing suitable credit solutions.
• Prepare reports and credit submissions in relation to regulated and non-regulated lending.
• Maintain accurate and up-to-date records, and proactively manage credit dashboards.
• Use client documentation to analyse and interpret client needs and prepare affordability analyses from data provided by clients.
• Draft client suitability reports and letters and prepare other documentation at the request of Mortgage Specialist Lending Advisors.
• Provide appropriate research material to support client outcomes.
• Deliver a seamless client experience by maintaining client contact to manage credit workflow, including attending face-to-face client meetings.
• Oversee diary management to ensure timely review and control of credit exposure.
• Initiate, discuss and complete Credit Applications on behalf of Private Bankers / Mortgage Specialists.
• Monitor the return of facility letters, and completion of LMF/interest rate/fee forms.
• Ensure financial information is monitored where required and received within the correct timescales. Covenant testing where applicable.

Risk

• Responsible for managing risks inherent to the role by diligently observing internal policies and procedures.

Key Interfaces

• Private Banking / Mortgage Specialist Lending Teams
• Credit
• Operations Teams (Banking and Credit Ops)
• Treasury
• Compliance