At a Glance
- Tasks: Analyse credit risks and support the development of innovative lending strategies.
- Company: Join Together, a leading mortgage provider with over 50 years of experience.
- Benefits: Enjoy 26 days holiday, gym access, and a discretionary bonus.
- Other info: Diverse and inclusive workplace with excellent career growth opportunities.
- Why this job: Make a real impact in credit risk management while growing your career.
- Qualifications: Numerical degree and experience in credit risk analysis required.
The predicted salary is between 45000 - 55000 £ per year.
- Working Hours: Standard (09:00am-17:30pm)
- Department: Quantitative Risk
- Office or Field Based: Office Based (Cheadle, SK8 3GW)
- Contract type: Permanent
- Company Description
Benefits of working at Together
- 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
- Free access to company holiday homes
- Buy & sell holidays
- Discretionary annual bonus plus an additional Shared Reward Bonus
- Life assurance and Critical illness cover
- Travel season ticket loans and Ride to work scheme
- Free local gym access
- Local bar / restaurant discounts
- Company Description
We’re Together.
For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.
We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t.
Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
Job Description
As a Senior Credit Risk Analyst you will beresponsible for supporting the oversight of first line credit risk management and the reporting and development of product standards.
You will analyse portfolio risks and concentrations and build portfolio and arrears forecasting; escalating material risks to committees as required.
You will also support the Senior Manager Credit Risk in the development of cost of risk and use of credit scoring strategies for our product portfolios.
In liaison with key stakeholders you will identify key pockets of credit risk and ensure that these are being appropriately managed.
As a
Senior Credit Risk Analyst we are looking for someone to
- Have oversight of first line credit risk management activity
- Analyseportfolio credit risks, providing timely and accurate updates to risk committees.
- Pro-actively identifytrends and insights based on regular credit risk reporting, supporting the Senior Credit Risk Manager with the actions required to address areas of concern/opportunity, working with the first line credit risk team
- Support the Senior Credit Risk Manager with the input and running of 2nd line oversight committees and regular routines
- Perform analysis to support changes to credit risk strategies, lending and arrears management policies
- Support development and monitoring of new products and strategies
- Analyse portfolio risks and concentrations and build portfolio and arrears forecasting; escalating material risks to committees as required.
- Support the Senior Manager Credit Risk in the development of cost of risk and use of credit scoring strategies
- Liase with key stakeholders, identify key pockets of credit risk and ensure that these are being appropriately managed.
- Support the development of affordability, valuation and credit strategies
- Maintain comprehensive governance, procedures and records
- Build and maintain a strong stakeholder network to share credit risk expertise and insight across the organisation
Qualifications
- Numerical degree, strong analytical skills and excellent attention to detail
- Experience in a credit risk environment
- A solid grounding in data analysis using quantitative analytic tools.
- Strong understanding of the fundamental concepts of credit risk management
- Advanced Excel skills
- Good understanding of risk management of secured lending portfolios.
- Experience of using complex data
- Additional Information
Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace.
Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are.
We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application.
This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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Senior Credit Risk Analyst employer: Together
Together in Cheadle is an excellent employer, offering a professional and supportive environment for Conveyancing Paralegals. With a strong focus on employee growth, you will have access to training and career development opportunities, including the chance to achieve SQE qualification, alongside a comprehensive benefits package that includes generous holidays, pension, and private medical cover.
