Mortgage Sanctioner / Credit Analyst - London

An excellent opportunity has arisen for a Mortgage Sactioner / Credit Analyst to join a well respected European investment bank. You will be responsible for credit risk structuring of transactions and sanctioning covering the Regulated Mortgage segment as well as Non Regulated and Trust mortgages, providing credit input and expertise to the segment relationship teams.

Responsibilities

• Deliver a credit service that ensures achievement of the teams risk and business objectives, ensuring the optimal quality of the credit portfolio by application of best practice in decision-making.
• Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit applications and maintenance of these standards both personally and as part of the Credit Risk Team.
• Provide professional advice on industry and product specialism and competitor activity where appropriate.
• Exercise judgement and discretion in the evaluation and approval/decline of credit proposals, which lie outside credit policy as well as those within.
• Responsibility for personal adherence to governance, compliance and lending portfolio controls.
• Deliver service in line with SLA's agreed with business segments.
• Work with business colleagues at a preliminary stage to ensure effective development and delivery of bespoke Risk solutions for customers as appropriate.

Skills

• Excellent technical credit sanctioning skills, along with business awareness and specific industry awareness.
• Detailed knowledge of risk management policy, procedures and pricing.
• Knowledge of credit policies, pricing and strategies relative to the credit function and also credit related product knowledge.
• Experience in Regulated Mortgage credit assessment and the ability to maintain high volumes whilst analysing each deal based on its own merits.
• Excellent negotiation and influencing skills with the ability to work under pressure and to tight deadlines in a very rapidly changing environment.

To apply for this role you will need to possess the relevant experience as listed above and have excellent communication and presentation skills. This is an exciting opportunity to join a well respected European investment bank in a growing team which offers excellent career progression.

To apply for this role you must be eligible to work within the U.K