At a Glance
- Tasks: Monitor credit performance, analyse loans, and support risk policy development.
- Company: Join LiveMore, a fast-growing mortgage innovator challenging the status quo.
- Benefits: Enjoy hybrid working, competitive salary, growth shares, and 30 days holiday.
- Other info: Dynamic team environment with opportunities for professional growth.
- Why this job: Make a real impact in the mortgage industry while developing your career.
- Qualifications: 5 years in credit risk with strong analytical and communication skills.
The predicted salary is between 50000 - 60000 € per year.
Location: Glasgow / hybrid (3 days in office per week)
Key internal stakeholders: Risk Lead, MD Finance & Capital Markets, Chief Commercial Officer, Head of Underwriting
Main external stakeholders: Funders, sourcing and criteria systems
Deadline: 5pm, 28 May 2026
LiveMore exists to challenge the unfair NOs in the mortgage world. That’s why our mission is to empower mortgage brokers to lend more by turning NOs into YESs and by maximising affordable borrowing. By doing that whenever we can, we help our customers live more and be ready for all that’s yet to come.
Role: The Credit Risk Analyst for Mortgages is responsible for monitoring portfolio credit performance, reviewing underwriting consistency, supporting credit policy and decisioning design, identifying credit related opportunities for the business, providing risk analysis and making recommendations on lending outside standard criteria.
Responsibilities:
- Ensure lending criteria are accurately reflected in underwriting processes and automated decisioning rules, and communicate changes clearly to proposition, underwriting, and operations teams.
- Review and analyse completed loans in arrears within LiveMore’s live portfolio, provide direction to servicing teams, and ensure relevant learnings are incorporated into the underwriting process where applicable.
- Support the development and periodic review of credit risk policies, lending criteria, and funding-related risk requirements.
- Monitor new business pipeline performance through regular MI and interaction with the sales team and identify emerging risk trends, conversion issues and opportunities and feed recommendations back to proposition and underwriting teams.
- Conduct detailed reviews of individual underwriting decisions to test consistency of policy application, identify judgement trends, and recommend improvements to credit controls.
- Act as the first point of contact for applications outside normal lending criteria, undertake risk-based assessments, and prepare recommendations for decision-makers.
- Prepare regular portfolio, policy exception, and risk trend reporting, and present clear insights and recommendations to senior management and relevant governance forums.
- Support the development and refinement of automated decisioning, risk rules, and analytics using appropriate data, modelling, and technology tools.
- Provide analysis and recommendations to support decisions on risk appetite, lending criteria, and controlled enhancements to lending policy.
- Provide guidance to junior colleagues and business teams on credit policy application, risk issues, and exception themes.
- Develop and maintain regular stress tests for LiveMore’s lending portfolio using a library of what-if scenarios.
Requirements:
- Sound knowledge of mortgage products, underwriting processes, and regulatory frameworks in the UK.
- Proven experience in credit risk within the UK mortgages sector (at least 5 years demonstrable experience in a credit role).
- Strong analytical and quantitative skills, including experience with portfolio analysis, trend reporting, and risk modelling using relevant data and reporting tools.
- Excellent communication and presentation skills, with the ability to produce high-quality MI and explain complex credit issues to underwriting teams, proposition colleagues, and senior stakeholders.
- Ability to work collaboratively in a cross-functional team environment.
- Attention to detail and strong organisational skills.
- Commitment to continuous improvement and professional development within the risk management field.
Benefits and environment:
- Growth shares.
- Annual performance bonus (cash and growth shares).
- Hybrid working (3 days per week in office).
- 30 days’ holiday, plus UK bank holidays.
- Private health cash reimbursement plan.
- Employer pension contribution.
- Salary-sacrifice pension scheme, saving marginal rate on contributions.
- Salary-sacrifice nursery voucher scheme, as above.
- Employee assistance programme.
Credit Risk Analyst in Milton employer: LiveMore Mortgages
LiveMore is an exceptional employer that champions innovation and growth within the mortgage sector, offering a dynamic work environment in Glasgow with a hybrid model that promotes work-life balance. Employees benefit from competitive perks such as growth shares, an annual performance bonus, and a comprehensive health reimbursement plan, all while being part of a collaborative culture that prioritises professional development and continuous improvement. With recognition as one of the Top 100 Fastest Growing Companies in the UK, LiveMore provides a unique opportunity for Credit Risk Analysts to contribute to meaningful change in the industry while advancing their careers.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst in Milton
✨Tip Number 1
Network like a pro! Reach out to folks in the mortgage and credit risk sectors on LinkedIn. A friendly message can go a long way, and you never know who might have the inside scoop on job openings.
✨Tip Number 2
Prepare for those interviews by brushing up on your knowledge of mortgage products and underwriting processes. We want you to be able to chat confidently about how you can help LiveMore turn NOs into YESs!
✨Tip Number 3
Don’t just wait for job postings; be proactive! Check our website regularly and apply directly through it. This shows initiative and can set you apart from other candidates.
✨Tip Number 4
Practice your presentation skills! You’ll need to explain complex credit issues clearly, so get comfortable discussing your insights and recommendations. Mock interviews with friends can help you nail this.
We think you need these skills to ace Credit Risk Analyst in Milton
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Risk Analyst role. Highlight your experience in credit risk and mortgage products, and don’t forget to showcase those analytical skills we’re looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re passionate about the role and how your background aligns with our mission at LiveMore. Keep it concise but impactful.
Showcase Your Analytical Skills:Since this role involves a lot of data analysis, be sure to mention specific tools or methodologies you’ve used in the past. We want to see how you can bring your expertise to our team!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re keen on joining our innovative team!
How to prepare for a job interview at LiveMore Mortgages
✨Know Your Numbers
As a Credit Risk Analyst, you'll need to demonstrate your strong analytical skills. Brush up on key metrics related to mortgage products and credit risk. Be ready to discuss specific examples of how you've used data to influence decision-making in your previous roles.
✨Understand the Company’s Mission
LiveMore is all about turning NOs into YESs for mortgage brokers. Familiarise yourself with their unique offerings like the Mortgage Matcher® and Maximum Borrowing Calculator. Show that you understand their mission and how your role as a Credit Risk Analyst can contribute to achieving it.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that assess your judgement and decision-making skills. Think of examples where you've had to make tough calls on lending criteria or risk assessments. Prepare to explain your thought process clearly and how you arrived at your recommendations.
✨Showcase Your Communication Skills
You'll be presenting insights to senior management and collaborating with various teams. Practice explaining complex credit issues in simple terms. Highlight any experience you have in producing high-quality MI reports and how you've effectively communicated findings to stakeholders.
