At a Glance
- Tasks: Analyse credit risk strategies and provide insights to support safe lending.
- Company: Join Lloyds Banking Group, a leader in financial services transformation.
- Benefits: Competitive salary, generous pension, flexible working, and extensive wellbeing initiatives.
- Other info: Diverse and inclusive workplace with excellent career development opportunities.
- Why this job: Make a real impact on sustainable lending while developing your analytical skills.
- Qualifications: Experience in credit risk and strong analytical skills required.
The predicted salary is between 44901 - 54870 € per year.
SALARY: £44,901pa to £54,870pa 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
Do you want to be part of the largest transformation in financial services in a generation? Lloyds Banking Group is investing over £2bn pounds 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.
Want to hear more?
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?
- Demonstrable experience in credit risk and change management - an understanding of what credit risk is and how we manage it with strategies and scorecards.
- 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 be confident in using Microsoft Office, particularly Excel and PowerPoint.
- Logical and analytical mindset - the 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; both verbally and non-verbally.
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 were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.
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.
Senior Credit Analyst in Cardiff employer: Lloyds Banking Group
Lloyds Banking Group is an exceptional employer, offering a dynamic work environment in key UK locations such as Leeds, Birmingham, and Edinburgh. With a strong commitment to diversity, equity, and inclusion, employees benefit from extensive professional development opportunities, a generous benefits package including a pension contribution of up to 15%, and a supportive culture that values collaboration and innovation. Join us to be part of a transformative journey in financial services while making a meaningful impact on customers' lives.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Analyst in Cardiff
✨Tip Number 1
Network like a pro! Reach out to current employees at Lloyds Banking Group on LinkedIn. Ask them about their experiences and any tips they might have for landing a role in the Mortgage Credit Risk team.
✨Tip Number 2
Prepare for your interview by brushing up on your analytical skills. Be ready to discuss how you've used SAS or Excel in past roles, and think of examples where your insights made a real impact.
✨Tip Number 3
Show your passion for sustainability! Since Lloyds is aiming for carbon zero by 2030, be prepared to share your thoughts on how credit risk can align with sustainable practices in the mortgage sector.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining the team.
We think you need these skills to ace Senior Credit Analyst in Cardiff
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Credit Analyst role. Highlight your experience in credit risk and analytical skills, and don’t forget to mention any relevant software expertise like SAS or Excel.
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 Lloyds Banking Group. Keep it concise but impactful!
Showcase Your Analytical Skills:Since this role involves a lot of data analysis, be sure to include specific examples of how you've used analytical techniques in past roles. This will help us see your problem-solving abilities in action.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way to ensure your application gets into the right hands and shows you’re serious about joining our team!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Credit Risk Inside Out
Make sure you brush up on your understanding of credit risk and how it’s managed. Be ready to discuss strategies and scorecards, as well as any recent trends in the mortgage market. This will show that you're not just knowledgeable but also genuinely interested in the role.
✨Show Off Your Analytical Skills
Prepare to demonstrate your analytical expertise, especially with tools like SAS and Excel. Bring examples of past projects where you've used these skills to deliver insights. If you can explain complex data in a simple way, you'll impress the interviewers.
✨Communicate Clearly and Confidently
Practice explaining complicated concepts in a straightforward manner. You might be asked to present your thoughts on a technical issue, so being able to communicate effectively with both technical and non-technical audiences is key. Think about how you can tailor your message for different listeners.
✨Be Ready to Lead and Mentor
As a senior analyst, you’ll be expected to guide junior colleagues. Prepare to discuss your leadership style and any mentoring experiences you’ve had. Highlight how you can contribute to a collaborative team environment and support others in their development.
