Senior Analyst, Real Estate

at  Shawbrook Bank

As a Senior 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 decision-making.
In this role, you’ll also collaborate closely with the data team to develop an AI-driven credit analysis tool, bringing advanced analytics into our credit evaluation processes. 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.
Write and submit credit papers for Group Credit in a timely manner, creating easy to read documents which articulate and cover all key risks in each transaction, following complex deal forum support ensuring the SRE team gain credit support for each transaction. Taking care to highlight any policy exceptions and provide mitigants for those.

Key Responsbilities

• 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.