Credit Risk Analyst

Analyst

Ref: 1015Wednesday 11 September 2019

£negotiable - depending on experience

Due to strategic development and increasing regulatory expectations, our client, a niche mortgage and savings provider, is looking to add to and strengthen their risk team with the addition of a Credit Risk specialist with second line of defence responsibility for the identification and assessment of credit risks and opportunities.

 

Reporting to the Legal Director (who has overall responsibility for risk and compliance) and working as a key member of a small risk team, you will ensure that oversight of credit risk is robust and managed within the key requirements of the business.

 

Duties will include: -

  • Provide the business with data-based insight and recommendations for changes and improvements to product range, application process, strategy design, collections activities and operations processes.
  • Provide insight to and set expectation for portfolio and segment trends through targeted analysis, forecasting and the development of regular MI.
  • Develop and enhance credit risk models.
  • Provide commentary for credit risk reporting, highlight emerging trends and make recommendations to management.
  • Undertake analysis of the credit risk portfolio and analyse the key drivers of the credit risks.
  • Evolve the credit risk reporting framework to provide on-going oversight and control.

 

The role holder will be expected to oversee and challenge the credit risk on the current portfolio, provide guidance and recommendations to the Executive board in respect of acceptable risk appetite and controls.

 

The successful candidate will have a wealth of experience in analytics and Credit Risk from a mortgage lending institution. Experience in niche mortgage lending and/or a manual underwriting environment would be an advantage.

 

You will have experience in the full customer lifecycle, including new lending, account management, fraud prevention and arrears managements.