Credit Risk Analyst
Credit Risk Analyst
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Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
As a Credit Risk Analyst you will be a dedicated and key data analytics resource to support the team to proactively review loan cohorts whilst maintaining Retail Mortgages risk principles within a dynamic and expanding organisation.
The role will involve evaluating loan pool trends and strategy to optimise lending and manage credit risk appetite. Responsible for portfolio reviews to identify risk developments or concentrations and exercise judgment to escalate key triggers decisions of heightenedrisk positions to key stakeholders as needed.
A key support in enhancing to our overall risk monitoring capabilities to ensure our credit and wider risk strategy is performing within expectations and assist with relevant and adhoc data analytics requests to Risk insights ensuring robust data backed perceptions are feed into key stakeholders with accuracy.
Sharp analytical skills will allow for accurate and meaningful committee reporting and support deep dives into specific customer behaviours and markets trend analysis as the landscape evolves.
Duties & Responsibilities:
- To support Retail Mortgages growing demands for development enhancement and maintaining of risk management and portfolio analytics into reporting functions
- Develop and improve risk strategy analytics across both residential and BTL asset classes
- Develop a good understanding of the business risk strategies across the multiple products and loan pools
- Provide analytical support for strategic changes to back book approaches
- Assist in impact assessment of market changes business strategies and implications for the business
- Identify opportunities to automate eliminate and streamline in approaches
- Work in collaboration with internal and external parties on multiple risk governance needs
- Produce accurate and timely cyclical and adhoc reporting for wider committee discussions
- Support necessary changes to ensure ongoing regulatory compliance where necessary.
- Conduct analysis of key drivers to identify the most predictive factors driving improvements in risk frameworks and decisionmaking processes.
Qualifications :
- Experience in a Risk / MI Analytics / Decision Science field and experience building Risk MI or similar role
- A proficient user of SQL Python or SAS programming skills including Macros preferable
- Excellent verbal and written communication skills with ability to summarised findings of analysis to nontechnical audiences
- A high tolerance for ambiguity and frequently changing priorities with a genuine cando attitude whilst working under pressure and to deadlines
- Good understanding of financial risk concepts
- Highly numerate with a track record in data driven analysis
- Proficient with MS Office applications an understanding of how spreadsheets and data packages can be used to analyse numerical data
- Strong quantitate & analytical background
- Experience in building and implementing credit risk strategies
- Accuracy & attention to detail
- Excellent planning and organisational skills
- Ability to establish effective working relationships with colleagues of all levels
- Ability to work as part of a team and to take project leads
Additional Information :
Your Wellbeing We take your health and wellbeing 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 Its important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when youre enjoying your leisure time.
- Minimum of 27 days holiday per year
- Option to buy or sell holiday days through our flexiholiday 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 Were 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
Remote Work :
No
Employment Type :
Fulltime
Employment Type
Remote
Company Industry
Key Skills
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
