Working in the MI and Insight team, a Credit Risk Analyst has exposure to the entire credit lifecycle of mortgages. This role supports the management of Credit Risk by conducting data mining and statistical analysis to design, develop and produce accurate and insightful management information that monitors the performance and characteristics of the Society’s lending and informs senior management decision-making. The team plays an integral part in shaping the business and the role provides an ideal opportunity to learn about both Credit Risk and Financial Services.
What You'll Do
In this role, you will:
Perform basic analysis and run existing code to produce timely and accurate Credit Risk management information for review by the Society’s Senior Leadership Team and decision making committees.
With guidance and support from senior colleagues, utilise best practice statistical and analytical techniques to perform analysis of the Society’s Credit Risk portfolios and develop new reports to enable strategic decision making by management.
Develop an understanding of the credit risk lifecycle for residential, buy-to-let and commercial mortgages, and leverage that understanding to add value to your analysis.
Manage small to medium analytical projects and provide analysis to senior team members ensuring requirements are met and analysis is accurate.
Develop a detailed understanding of the Society’s Credit Risk databases and retail and commercial lending policies and be able to process, manipulate and interpret data to support the above accountabilities.
Develop and maintain an understanding of the credit risk lifecycle for retail and commercial mortgages and leverage that understanding to add value to all analysis including new industry trends.
Communicate the results of analysis to management to a high standard, both written and verbally.
Build and maintain a network of key stakeholders and contacts across the business to facilitate knowledge sharing and cross functional working, and to be viewed as a subject matter expert for Credit Risk within the Society.
How You’ll Do It
Experience of analytical techniques. Limited experience of working in Credit Risk (or similar), within a financial services organisation is preferred. However, candidates with no experience will be considered as training will be provided in order to reach full competence.
Experience of data manipulation and a working knowledge of SAS (or similar statistical packages) SQL and Microsoft Excel is desirable
Strong analytical and problem solving skills
The ability to undertake analytical tasks with appropriate support and guidance
Strong communication skills, both written and verbal
Life at YBS
In addition to the usual benefits such as competitive salary, annual bonus and healthcare packages we offer you…
Flexibility – Whether it’s picking up the kids from school or catching that early morning yoga session we have you covered.
Celebrating Success – From everyday thank you cards, to our annual ‘Raising the Roof’ gala to celebrate our golden ticket winners we acknowledge our colleagues successes no matter how big or small.
Giving Back – Fancy 31 hours of paid leave a year to get involved in community activities? Together last year, we completed more than 11,000 hours of volunteering!
Inclusivity - We don’t just accept difference — we celebrate it, we support it, and we thrive on it for the benefit of our colleagues, our customers and our community. We are proud to be an equal opportunities employer.
Site Perks – Some of our sites have added little extras such as a gym, restaurant and free parking at our Bradford site, roof garden in Leeds, and on-site restaurant and free parking at our Peterborough site.
If you’ve got a solid background in data analytics and you want to develop a career in an empowering, respectful and supporting business then why not join us?
Our people are our heart and soul; we’re commercial and caring, big enough to offer you a challenge and small enough for you to make a real impact. We’re devoted to putting people first and doing the right thing by providing real help with real life.
We’d love to hear from you so why not apply today and be Your Brilliant Self!