Company Description
Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.
We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.
The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Job Description
As an Analyst within our Structured Real Estate Finance team, you’ll focus on assessing and managing credit risks for large-scale real estate transactions across a range of asset types, including residential, commercial and property led trading businesses such as hotels and serviced offices. Your responsibilities will include creating detailed cash flow models, structuring loans with corporate-style security packages, and providing thorough credit reports to support both decision making – the role is an equal balance of risk analysis and supporting the wider team to win new customer relationships.
In this role, you’ll also collaborate closely with internal and external sources to bring data into our credit evaluation processes, including the use of AI. You’ll work alongside a knowledgeable team to ensure regulatory compliance, interpret LMA documentation, and engage with clients to address credit and loan structuring needs.
We are looking for a candidate with a strong background in real estate finance, an analytical mindset, and the ability to manage complex transactions with attention to detail and effective communication. This position offers the chance to work in a collaborative environment, leveraging both traditional credit skills and innovative technology to support the team’s success in real estate finance.
Strong written communication skills are a must to write and submit credit papers in a timely manner, creating easy to read documents which articulate and cover all key risks in each transaction. You will take care to highlight any policy exceptions and provide mitigants for those with balanced credit recommendations. You will be able to present to senior internal committees, liaise with professional partners such as valuers and solicitors and win the confidence of our brokers and customers.

Key Responsibilities

• Join the Relationship Manager Team in presenting cases to credit committee providing support and leading when required to satisfy the quorum.
• Conduct detailed credit analysis and cash flow modelling for various real estate assets (residential and Commercial), structuring loans with real estate and corporate-style security packages across both investment and short term loans.
• Complete detailed credit analysis on the accounts (Balance Sheet, Profit and Loss, and cash-flow statements), of borrowers, tenants and sub-tenants as required to support applications.
• Assess the capability of the management of the borrower from research and by conducting joint borrower interviews with the Relationship Team.
• Appraise the suitability of the legal structure of the borrower, and the impact on credit risk.
• Collaborate with the data team to develop an AI-driven credit analysis tool, defining parameters and validating model accuracy.
• Provide sector-specific insights, especially for Construction, Property Driven trading businesses, and commercial real estate sectors.
• Ensure borrowers are compliant with UK property regulations and work with legal teams on LMA and security documentation.
• Partner with internal and external teams, present credit findings to senior management, and address client queries on credit structuring and AI-driven insights.
• To embrace the principles of treating customers fairly, consumer duty and responsible lending in all decision making.
• Maintain and build relationships with non-panel intermediaries and industry professionals to identify sources of new business.
• Work with the non-performing loan (NPL) and Portfolio management team as required, to provide handover or feedback on the original submission.
• Assist with the development and promotion of marketing strategy, including attendance at key intermediary and client events.
• Arrange and undertake face to face client interviews/meetings.

QUALIFICATIONS

• Proven experience in banking, real estate, or financial services
• Proficiency in Microsoft Office suite, particularly Excel and PowerPoint
• Strong analytical and problem-solving skills
• Excellent verbal and written communication skills
• Ability to work effectively in a team environment
• Knowledge of credit analysis and financial modelling
• Understanding of real estate market trends and dynamics
• Strong attention to detail and ability to manage multiple priorities
• Excellent organisational and time management skills
  Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done.

• Join the Relationship Manager Team in presenting cases to credit committee providing support and leading when required to satisfy the quorum.
• Conduct detailed credit analysis and cash flow modelling for various real estate assets (residential and Commercial), structuring loans with real estate and corporate-style security packages across both investment and short term loans.
• Complete detailed credit analysis on the accounts (Balance Sheet, Profit and Loss, and cash-flow statements), of borrowers, tenants and sub-tenants as required to support applications.
• Assess the capability of the management of the borrower from research and by conducting joint borrower interviews with the Relationship Team.
• Appraise the suitability of the legal structure of the borrower, and the impact on credit risk.
• Collaborate with the data team to develop an AI-driven credit analysis tool, defining parameters and validating model accuracy.
• Provide sector-specific insights, especially for Construction, Property Driven trading businesses, and commercial real estate sectors.
• Ensure borrowers are compliant with UK property regulations and work with legal teams on LMA and security documentation.
• Partner with internal and external teams, present credit findings to senior management, and address client queries on credit structuring and AI-driven insights.
• To embrace the principles of treating customers fairly, consumer duty and responsible lending in all decision making.
• Maintain and build relationships with non-panel intermediaries and industry professionals to identify sources of new business.
• Work with the non-performing loan (NPL) and Portfolio management team as required, to provide handover or feedback on the original submission.
• Assist with the development and promotion of marketing strategy, including attendance at key intermediary and client events.
• Arrange and undertake face to face client interviews/meetings