Senior Credit Analyst in Birmingham

SALARY: £44,900 to £54,870 per annum plus an extensive benefits package.

LOCATION: Leeds, Chester, Birmingham, Halifax, Edinburgh, Newport & Cardiff.

HOURS: 35 hours per week.

WORKING PATTERN: Hybrid, 40% (or two days) in any of the above office hubs.

About us

Lloyds Banking Group is investing over £2bn in delivering growth over the next 3 years, including considerable investment in our transformation to a data and technology led organisation. We're the UK's biggest mortgage provider in the market, lending in excess of £300 billion to help our customers buy homes. Mortgage Credit Risk are responsible for the lending strategy, risk appetite, portfolio insight and performance monitoring of the Retail mortgage portfolio, covering Residential and Buy To Let loans across all brands.

Our team purpose is to deliver responsible and sustainable lending to help customers buy a home. We do this by taking ownership to act, while supporting each other and valuing difference. This is key in Helping Britain Prosper. You will be part of a collaborative team delivering insight through analytics to help manage the risks associated with our mortgage lending. We're continually using our knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisioning systems. We oversee key aspects of the portfolio to ensure we're acting in the best interests of our customers, and we support the business to deliver safe and sustainable growth.

As a senior credit risk analyst on the team, you will use a variety of analytical approaches to provide technical insight on the Mortgage Credit Risk strategies. You will scope, define, and deliver analysis to support the team goals, using SAS or Excel daily to interrogate complex data and translate outputs into meaningful conclusions. You will form relationships with the wider Risk team and 1st line business areas, providing technical leadership and mentoring to junior analysts in the team.

It's an exciting time to be joining the Mortgages team. The Group has set out its ambitions to become a market leader in low emissions and sustainability and mortgages are a key part of that plan. If you want to support the Bank on its journey to be carbon zero by 2030, come and join us.

What are we looking for?

• Experience in credit risk and analytical skills to deliver insights and proposals to ensure safe lending.
• Demonstrable experience in credit risk and change management.
• Strong numerate skills and qualifications - a degree (or equivalent) in a numerate subject with knowledge of advanced analytical techniques.
• Analytical expertise - practical experience of using analytical software and coding, such as SAS, and confidence in using Microsoft Office, particularly Excel and PowerPoint.
• Logical and analytical mindset - ability to work quickly and at a high level of detail and accuracy.
• Effective communicator - ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we’re committed to creating an environment in which everyone can thrive, learn and develop. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 28 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Want to do amazing work that's meaningful and impacts millions of customers? Join us.