Senior Credit Risk Analyst Commercial Lending
Senior Credit Risk Analyst Commercial Lending

Senior Credit Risk Analyst Commercial Lending

Leeds Full-Time 36000 - 60000 £ / year (est.) No home office possible
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At a Glance

  • Tasks: Join our team as a Senior Credit Risk Analyst, driving responsible lending and managing credit risks.
  • Company: Yorkshire Building Society is a member-focused organisation dedicated to supporting its community.
  • Benefits: Enjoy flexible working, 25 days holiday, bonuses, and a generous pension scheme.
  • Why this job: Be part of impactful projects that shape the future of commercial lending while developing your skills.
  • Qualifications: Experience in Credit Risk, strong analytical skills, and proficiency in data manipulation tools required.
  • Other info: We value inclusivity and offer a supportive environment for personal and professional growth.

The predicted salary is between 36000 - 60000 £ per year.

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Senior Credit Risk Analyst Commercial Lending

Employer Yorkshire Building Society Location Leeds, United Kingdom Salary GBP 45,000.00 per year Closing date 27 Jun 2025

View more categories View less categories Sector Engineering ,IT ,Security Job Role Risk Analyst Job Type Permanent

Senior Credit Risk Analyst – Commercial Lending Credit Risk

The Commercial Credit Risk team is an integral part of YBS\’s Conduct and Credit Risk function. We pride ourselves on working collaboratively with our colleagues in teams across the business, including the customer facing teams in Commercial Lending including Business Development, Lending, Portfolio management and propositions to ensure we\’re identifying, mitigating and managing credit, conduct and operational risks. This allows us to support expansion of our Commercial Lending business in a sustainable and responsible manner, whilst providing good outcomes for customers.

About the Role

As a Senior Credit Risk Analyst you\’ll be a key member of the Commercial Credit Risk team, leveraging your credit risk expertise to help YBS deliver its objectives. You will get the chance to be involved in a range of interesting projects and initiatives. Some of the areas you could be responsible for:

  • Supporting the Group\’s growth aspirations whilst ensuring lending is responsible. Entering new market segments and defining lending criteria to meet changing customer needs, requires a clear understanding of the associated credit risks. You will work with other areas of the business to own and drive change to support business growth whilst ensuring credit risks are managed.
  • Ensuring our key credit risk controls such as lending policy, affordability models, slotting models are operating effectively. You\’ll review and challenge our approaches, ensuring these controls remain robust and appropriate.
  • Analyse commercial investment and BTL market data and customer data to identify and assess key trends and risks, and use the insight to drive strategic responses which balance YBS growth ambition for Commercial Lending with robust risk management.
  • Supporting the developing the credit risk capabilities within Commercial Lending which will be across diverse range of areas such as lending policy , affordability, stress testing, loss forecasting, sectoral analysis, portfolio monitoring and delinquency. You will play a critical part in ensuring the commercial lending growth is sustainable and delivering good outcomes for the Society and customers.
  • Supporting on credit risk aspects of new propositional development including lending in specialist SME sectors.
  • Ensuring high quality, insightful credit risk analytics are produced and can be used to inform strategic decision-making.

About You

  • Proven experience in Credit Risk or other similar analytically based roles.
  • Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel.
  • Knowledge of the Commercial Investment, Buy to Let or SME mortgage market would be beneficial.
  • Outstanding analytical and problem solving skill with the ability to identify trends or areas of concern within data.
  • Continuous improvement mindset and always looking for ways we can improve our processes.
  • Excellent communication skills with an ability to present findings and influence at a senior level

About us

At YBS we don\’t have shareholders, we have members. We care about people and that includes you. So here, you\’ll be respected for who you are, you\’ll be able to bring your whole self to work, and you\’ll have everything you need to build a long and rewarding career.

Flexibility. We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it\’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you.

Development. We want you to feel challenged here. Whatever your ambitions, we\’re committed to helping you develop your skills and move ahead in your career journey. From day one, we\’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

Inclusivity. We\’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you\’ll go the extra mile to help our members, you\’ll fit right in and feel you belong here.

About our Benefits

We offer lots of fantastic rewards that you can make the most of in and out of work, including:

  • Holiday. You\’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.
  • Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).
  • Pension. We know how important it is to save towards the future, that\’s why we\’ll contribute up 11% into your YBS pension.
  • Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you\’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.
  • My Benefits. When you join YBS you\’ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts,

Ready to apply?

If you\’re excited about this role and want to be part of the YBS team, click apply now to send us your application.

Want more information?

If you have any questions about this role, please contact Olivia Lambert on Olambert@ybs.co.uk

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Senior Credit Risk Analyst Commercial Lending employer: Yorkshire Building Society

Yorkshire Building Society is an exceptional employer that prioritises the well-being and development of its employees. Located in Leeds, the company fosters a collaborative work culture where inclusivity and flexibility are at the forefront, allowing you to balance your professional and personal life effectively. With a strong commitment to employee growth, YBS offers comprehensive training, generous benefits including a competitive pension scheme, and opportunities to engage in meaningful projects that contribute to sustainable business practices.
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Contact Detail:

Yorkshire Building Society Recruiting Team

StudySmarter Expert Advice 🤫

We think this is how you could land Senior Credit Risk Analyst Commercial Lending

✨Tip Number 1

Familiarise yourself with the latest trends in the Commercial Investment and Buy to Let markets. Understanding these areas will not only help you during interviews but also demonstrate your proactive approach to staying informed about industry developments.

✨Tip Number 2

Network with professionals in the credit risk field, especially those who work in commercial lending. Attend industry events or join relevant online forums to connect with others and gain insights that could be beneficial for your application.

✨Tip Number 3

Brush up on your data manipulation skills, particularly in SAS, SQL, and Excel. Being able to showcase your analytical capabilities during discussions can set you apart from other candidates.

✨Tip Number 4

Prepare to discuss how you've previously identified and mitigated credit risks in your past roles. Having specific examples ready will help you illustrate your problem-solving skills and your ability to contribute to YBS's objectives.

We think you need these skills to ace Senior Credit Risk Analyst Commercial Lending

Credit Risk Analysis
Data Manipulation
SAS or similar statistical packages
SQL
Microsoft Excel
Analytical Skills
Problem-Solving Skills
Understanding of Commercial Investment and Buy to Let markets
Knowledge of SME mortgage market
Trend Identification
Continuous Improvement Mindset
Communication Skills
Ability to Present Findings
Influencing Skills at Senior Level
Portfolio Monitoring

Some tips for your application 🫡

Understand the Role: Before applying, make sure you fully understand the responsibilities and requirements of the Senior Credit Risk Analyst position. Tailor your application to highlight how your skills and experiences align with the specific needs of the role.

Highlight Relevant Experience: In your CV and cover letter, emphasise your proven experience in credit risk or similar analytically based roles. Be specific about your expertise in data manipulation, SAS, SQL, and Microsoft Excel, as these are crucial for the position.

Showcase Analytical Skills: Demonstrate your outstanding analytical and problem-solving skills in your application. Provide examples of how you've identified trends or areas of concern within data in previous roles, as this will resonate well with the hiring team.

Communicate Effectively: Since excellent communication skills are essential for this role, ensure that your application is clear and concise. Use your cover letter to illustrate your ability to present findings and influence at a senior level, which is key for the position.

How to prepare for a job interview at Yorkshire Building Society

✨Showcase Your Analytical Skills

As a Senior Credit Risk Analyst, your analytical skills are crucial. Be prepared to discuss specific examples of how you've used data manipulation and analysis in previous roles, particularly with tools like SAS, SQL, and Excel.

✨Understand the Commercial Lending Landscape

Familiarise yourself with the current trends in the Commercial Investment and Buy to Let markets. Being able to discuss these topics will demonstrate your knowledge and interest in the sector, which is vital for the role.

✨Prepare for Scenario-Based Questions

Expect questions that assess your problem-solving abilities. Prepare to discuss how you would approach identifying and mitigating credit risks in various scenarios, showcasing your strategic thinking.

✨Communicate Effectively

Strong communication skills are essential for this role. Practice articulating your thoughts clearly and confidently, especially when discussing complex data insights or influencing senior stakeholders.

Senior Credit Risk Analyst Commercial Lending
Yorkshire Building Society
Y
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