At a Glance
- Tasks: Analyse mortgage credit risk strategies and provide insights using data analytics.
- Company: Join Lloyds Banking Group, the UK's largest mortgage provider.
- Benefits: Competitive salary, extensive benefits package, and hybrid working options.
- Other info: Collaborative team environment with opportunities for mentorship and career growth.
- Why this job: Be part of a major transformation in financial services and make a real impact.
- Qualifications: Experience in data analysis, preferably with SAS or Excel.
The predicted salary is between 44901 - 54870 £ per year.
Posted 11 days ago
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Agile Working Options: Job Share; Hybrid Working
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.
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.
Senior Mortgage Credit Risk Analyst — Hybrid in Edinburgh employer: Lloyds Banking Group
Lloyds Banking Group is an exceptional employer, offering a dynamic work environment that fosters collaboration and innovation in the heart of the UK's financial services sector. With a strong commitment to employee growth, you will have access to extensive training and development opportunities while enjoying a hybrid working model that promotes work-life balance. Join us in Leeds, Chester, Birmingham, Halifax, Edinburgh, Newport, or Cardiff, where you can contribute to meaningful projects that help Britain prosper, all while being part of a diverse and inclusive team dedicated to responsible lending.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Mortgage Credit Risk Analyst — Hybrid in Edinburgh
✨Tip Number 1
Network like a pro! Reach out to current employees on LinkedIn or attend industry events. Building connections can give us insider info and might even lead to a referral.
✨Tip Number 2
Prepare for the interview by researching the company’s values and recent projects. We want to show that we’re not just interested in the role, but also in how we can contribute to their mission.
✨Tip Number 3
Practice common interview questions with a friend or in front of a mirror. We need to articulate our experience and skills confidently, especially when it comes to technical insights in credit risk.
✨Tip Number 4
Don’t forget to follow up after the interview! A quick thank you email can keep us fresh in their minds and shows our enthusiasm for the position. Plus, it’s a great chance to reiterate why we’re a perfect fit!
We think you need these skills to ace Senior Mortgage Credit Risk Analyst — Hybrid in Edinburgh
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Mortgage Credit Risk Analyst role. Highlight relevant experience and skills that match the job description, especially your analytical prowess and familiarity with 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 mortgage credit risk and how you can contribute to our mission of responsible lending. Keep it concise but impactful.
Showcase Your Analytical Skills:Since this role involves complex data analysis, be sure to include specific examples of how you've used analytics in past roles. This will demonstrate your capability to deliver insights that align with our goals.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Numbers
As a Senior Mortgage Credit Risk Analyst, you'll be dealing with complex data daily. Brush up on your analytical skills and be ready to discuss how you've used tools like SAS or Excel in past roles. Prepare specific examples of how your analysis has influenced lending strategies or risk assessments.
✨Understand the Business
Familiarise yourself with Lloyds Banking Group's mission and values, especially their focus on responsible lending and sustainability. Be prepared to discuss how your personal values align with theirs and how you can contribute to their goals of safe and sustainable growth.
✨Showcase Your Leadership Skills
Since this role involves mentoring junior analysts, think about your leadership style and experiences. Prepare to share examples of how you've supported team members in the past, whether through technical guidance or fostering a collaborative environment.
✨Ask Insightful Questions
Interviews are a two-way street! Prepare thoughtful questions that show your interest in the role and the company. Ask about the team's current projects, challenges they face in credit risk analysis, or how they measure success in their lending strategies.
