Credit Risk Analyst

Credit Risk Analyst page is loaded## Credit Risk Analyst locations:
Leeds Wellington Place:
Edinburgh New Uberior House Head Office:
Birmingham 125 Colmore Row:
Chester Cawley Housetime type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
January 21, 2026 (14 days left to apply) job requisition :
149078
** End Date
** Tuesday 20 January 2026
** Salary Range**£29,460 - £31,010
** Flexible Working Options
** Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours
** Job Description Summary
** This is a full time role based in Leeds, Chester Birmingham or Edinburgh
** Job Description**
* *
* JOB TITLE:

** Credit Risk Analyst
* ** SALARY: £29,460**
* ** LOCATION(S):
Leeds, Chester, Birmingham or Edinburgh**
* ** HOURS**:
Full- time – 35 hours a week.
* ** WORKING PATTERN**:
Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.
** About this Opportunity
** LBG are the UK’s biggest mortgage provider in the market, lending in excess of £300 billion to help our customers buy homes. Homes 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.
** Core Purpose of the Role
** 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 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 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, supporting management to respond to specific requests from stakeholders.

It’s an exciting time to be joining the homes team as we’re heavily investing in our data and infrastructure to enhance our credit decisioning capabilities, enabling us to support more customers realise their property ambitions.
** Why Lloyds Banking Group
** We’re on an exciting journey and there couldn’t be a better time to join us. The investments we’re making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive
** What you’ll need**
* ** Strong numerate skills and qualifications –
** a degree (or equivalent) in a numerate subject with knowledge of analytical techniques.
* ** Practical experience using Microsoft Office** – confident in using Excel and PowerPoint to manipulate and present data.
* ** Accuracy and attention to detail** – you’ll need to work swiftly and efficiently to review data and perform testing of system changes
* ** Effective Communicator** – ability to explain complicated issues clearly to different audiences; both verbally and non-verbally.
* ** Enthusiasm for problem solving**– When the answer isn’t in the data, sometimes you need to look elsewhere, and this takes a curious, creative attitude and logical thinking to explore the problem and find a solution.
* ** Organisation & Time Management** – proven ability to work well within a team environment without the need for close supervision and showing good time management and planning/organisation skills
** And any experience of these would be really useful
*** Knowledge and experience of Credit Risk and Change Management
* Practical experience of using analytical software and coding, such as SAS or SQL and…