Senior Credit Analyst, Real Estate Finance, Dublin/ Cork

Location/Office Policy:  Dawson St, Dublin 2 or 66 South Mall, Cork with Hybrid working, two days in the office. 

• Do you want to build a career in a fast-moving team that is focussed on funding developers to address the housing crisis and landlords providing commercial real estate space?
• Do you want to work in a specialist real estate unit, working alongside valuers, engineers and economists, together with lending colleagues?

We want to hear from driven individuals who work collaboratively with colleagues and want a rewarding career in the property market.

What is the Role:

Real Estate Finance (REF) is a specialist customer facing department in AIB Capital Markets.  We are a team of 70 people with a mix of disciplines including Valuation Surveyors, Data Experts, Economists and a Chartered Engineers who help us make better decisions.

We work collaboratively to play a vital role in ensuring that we play our part in addressing the housing situation by funding the development of A-rated homes in RoI.  Working closely with the largest developers in the country, we also encourage them to improve further the sustainability credentials of those homes.

We fund institutional and large private investors for the purchase of commercial real estate assets across Ireland and in Europe through participation in large international syndicates.  We work with these borrowers to develop a transition plan to improve the quality of their buildings.

We already have a broad variety of people working in the department and are seeking to hire new people into a number of roles across REF.

Having experience in property related lending is an advantage.

Key accountabilities;

• Assist with managing an existing portfolio of credit exposures within the Credit Policy of the Bank.
• Help with the preparation of credit papers and with managing applications through the credit process.
• Monitoring of covenant compliance and review of ongoing financial and non- financial information provided. 
• Ensure compliance and administration obligations are satisfied to a high degree.
• Form an integral part of the risk management culture in AIB and adherence to codes of conduct, laws and regulation
• Collaboration with other parts of AIB including Treasury and Operations Teams

What you Will Bring ;

• Relevant 3rd level qualification
• 2+ years' experience within a similar area which could include Banking, Advisory or Industry
• Strong financial analysis, strong credit skills and proficiency in financial modelling
• Experience in contributing to the preparation of credit applications and proficiency with, Word and Excel. Credit assessment and credit management skills including cashflow analysis and financial modelling.
• Strong time management skills and attention to detail with the ability to prioritise tasks.
• Team player with good communication and influencing skills
• Analytical mindset and results focussed

Why Work for AIB:

We are committed to offering our colleagues choice and flexibility in how we work and live and our hybrid working model enables our people to balance their time between working from home and their designated office, subject to their role, the needs of our customers and business requirements.

Some of our benefits include;

• Market leading Pension Scheme
• Healthcare Scheme
• Variable Pay
• Employee Assistance Programme
• Family leave options
• Two volunteer days per year

Please click here for further information about AIB’s PACT – Our Commitment to You.

Key Capabilities

• Instils trust
• Eliminates complexity
• Collaboration
• Communication
• Prioritisation
• Portfolio management

If you are not sure about your suitability based on any aspects of the role advertised, we encourage you to please contact the Recruiter for this role, Noelle Ryan at careers@aib.ie  for a conversation.

AIB is an equal opportunities employer, and we pride ourselves on being the first bank in Ireland to receive the Investors in Diversity Gold Standard accreditation from the Irish Centre for Diversity. We are committed to providing reasonable accommodations for applicants and employees. Should you have a reasonable accommodation request please email the Talent Acquisition team at careers@aib.ie

Disclaimer:

Unsolicited CV’s sent to AIB by Recruitment Agencies will not be accepted for this position. AIB operates a direct sourcing model and where agency assistance is required, the Talent Acquisition team will engage directly with our recruitment partners.  

Application deadline: Tuesday 13th May 2025 (just before midnight)