Real Estate Credit Analyst
The Risk Management Group (RMG) is an independent, centralised unit responsible for assessing and monitoring risks across Macquarie. This includes market and liquidity risk, credit risk, compliance risk and operational risk. RMG personnel liaise closely with all operating areas to ensure risks are understood and properly managed.
We are currently seeking an ambitious and highly motivated individual with extensive European Real Estate experience to join the Risk Management Group's credit team in London.
Purpose of Role
- Lead the credit review and analysis of real estate transactions recommended by the real estate businesses including new debt and equity transactions across the UK and continental Europe
- Annual and interim review of existing limits, market performance and outlook of real estate counterparties
- Opine on new product or new business approvals and policy changes relevant to the real estate businesses
- Oversee the evaluation and reporting of exposures
Key Responsibilities
- Working in partnership with a number of real estate businesses, you will assess a range of complex transactions, from opportunistic higher risk debt and equity positions with appropriate return profiles to lower risk lending, including to support advisory or debt and equity underwriting mandates. Many exposures will be directly secured by real estate assets across Europe.
- Lead a credit team review of detailed due diligence, including real estate valuations, financial models, market data, engineering, environmental reports and legal documentation to form a view on the acceptability of the exposure being proposed
- You will assist with the structuring of transactions, reviewing legal terms as well as providing general advice and analysis to the business areas. This is a high profile team who deal extensively with senior management and your ability to effectively manage and analyse transactions is key to this role.
- Support the development of real estate expertise in one or more junior credit staff members assigned to assist with your responsibilities noted above
Key Experience Required
- Strong tertiary qualifications - or equivilent
- Strong European real estate transactional experience in a financial institution. This will preferably include experience in a credit role but client facing or research expertise will also be highly regarded for those with a strong credit mindset.
- General cash flow or project lending skills would also be an advantage to a growing transactional credit team
Demonstrable Skills Required
- Flexible and lateral thinker who is comfortable being challenged and has a commercial mindset
- Well developed negotiation and influencing skills. Where appropriate, ability to stand your ground with your views supported by rigorous analysis
- Questions existing processes and has a continual improvement mindset
- Comfortable planning and re-prioritising workload in an unpredictable environment
- High degree of ownership, delivery and timeliness in a fast-paced, output focused environment
- Anticipates and flags issues before they become a problem
- Able to distil, assess and test validity of high volumes, and complex data
- Excellent communication skills, both written and verbal
- Ability to build strong, open, dialogue-based relationships with clients and colleagues
This opportunity would suit highly analytical and commercially oriented individuals who enjoy working in a challenging and complex environment.
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