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- Tasks: Join our team to advance credit risk management and generate data-driven insights.
- Company: YBS, a member-focused organisation that values inclusivity and collaboration.
- Benefits: Enjoy 25 days holiday, bonuses, pension contributions, and health benefits.
- Why this job: Make a real impact in property risk management while developing your career.
- Qualifications: Experience in mortgage lending and strong analytical skills required.
- Other info: Flexible working options available to support your work-life balance.
The predicted salary is between 36000 - 60000 £ per year.
A unique and exciting opportunity has arisen for an experienced Senior Credit Risk Analyst to join the New Lending and Property Risk team on a 12-month fixed-term contract, playing a key role in advancing our Risk Management capabilities.
The Retail New Lending and Property Risk team plays a vital role within YBS’s broader Credit Risk function. We work closely with colleagues across Trading, Finance, and Operations to proactively identify, assess, and manage credit risks. Our collaborative approach ensures we deliver exceptional experiences for our customers and members, while driving sustainable growth and performance.
About the Role
As a Senior Credit Risk Analyst, you\’ll play a pivotal role in advancing YBS’s Property Risk Management. Using your credit risk expertise, you\’ll generate data-driven insights to assess property exposure and shape strategic initiatives. You\’ll collaborate closely with fellow analysts, the Chief Valuer, and external partners. Other key responsibilities may include:
- Conduct market scanning and competitor benchmarking to ensure our lending policies and standards remain appropriate, competitive, and aligned with industry best practice.
- Optimise our approach and execution of valuations and property risk standards, supporting borrowers through their onboarding journey.
- Maintain and enhance key credit risk controls, ensuring they remain robust, compliant, and aligned with regulatory expectations.
- Provide assurance to internal and external stakeholders by responding to oversight findings and addressing identified concerns, ensuring our credit risk governance remains effective and accountable.
About You
We are seeking a motivated individual with prior experience working for a mortgage lender and a proven track record in credit risk management. To succeed in this role, you will also have:
- Knowledge of processes and tools associated with management of Property Risk across both Residential and Buy to Let lending.
- Proven ability to independently lead programmes of complex analytical work
- Outstanding analytical and problem solving skills
- Excellent communication skills
- Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel
About us
At YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career.
Flexibility.
We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you. We’re happy to talk flexible working and you can reach out to us anytime to discuss this during the recruitment process.
Development.
We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.
Inclusivity.
We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.
About our Benefits
We offer lots of fantastic rewards that you can make the most of in and out of work, including:
- Holiday. You’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.
- Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).
- Pension. We know how important it is to save towards the future, that’s why we’ll contribute up 11% into your YBS pension.
- Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.
- My Benefits. When you join YBS you’ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts.
Ready to apply?
If you’re excited about this role and want to be part of the YBS team, click apply now to send us your application.
Want more information?
If you have any questions about this role, please contact Olivia Lambert at Olambert@ybs.co.uk
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Senior Credit Risk Analyst- 12 Month FTC employer: Yorkshire Building Society Group
Contact Detail:
Yorkshire Building Society Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst- 12 Month FTC
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, especially those who work at YBS or similar companies. A friendly chat can sometimes lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your credit risk knowledge and the specific challenges faced in property risk management. We recommend practising common interview questions and having examples ready that showcase your analytical skills.
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, send a quick thank-you email to express your appreciation for the opportunity. It keeps you fresh in their minds and shows your enthusiasm for the role.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re genuinely interested in being part of the YBS team. So, don’t wait—get your application in!
We think you need these skills to ace Senior Credit Risk Analyst- 12 Month FTC
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Risk Analyst role. Highlight your experience in credit risk management and any relevant skills, like data manipulation and analytical prowess. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background aligns with our needs. Don’t forget to mention your collaborative spirit, as we love working together at YBS.
Showcase Your Analytical Skills: Since this role involves complex analytical work, be sure to provide examples of your past projects or experiences that demonstrate your analytical and problem-solving skills. We’re keen to see how you tackle challenges!
Apply Through Our Website: We encourage you to apply directly through our website for a smoother application process. It’s the best way to ensure your application gets into the right hands, and we can’t wait to hear from you!
How to prepare for a job interview at Yorkshire Building Society Group
✨Know Your Credit Risk Stuff
Make sure you brush up on your credit risk management knowledge, especially related to property risk. Be ready to discuss specific methodologies and tools you've used in the past, like SAS or SQL, to analyse data and generate insights.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess by discussing complex projects you've led. Use examples that highlight your problem-solving skills and how you've tackled challenges in previous roles, particularly in a mortgage lending context.
✨Understand the Company Culture
Familiarise yourself with YBS’s values and culture. They emphasise inclusivity and collaboration, so think about how you can convey your ability to work well in teams and contribute positively to their environment during the interview.
✨Ask Insightful Questions
Prepare thoughtful questions that show your interest in the role and the company. Inquire about their current strategies for managing property risk or how they ensure compliance with regulatory expectations. This will demonstrate your proactive approach and genuine interest in the position.