Senior Credit Analyst

Job description

JOB TITLE:

Senior Credit Analyst.

SALARY: £44,900 a to £54,870 pa plus an extensive benefits package.

LOCATION:

Leeds, Chester, Birmingham, Halifax, Edinburgh, Newport & Cardiff.

HOURS:

35 hours per week.

WORKING PATTERN:
Hybrid, 40% (or two days) in any of the above office hubs.

Find out why you should join us.

Do you want to be part of the largest transformation in financial services in a generation? Lloyds Banking Group is investing over £2bn pounds in delivering growth over the next 3 years, including considerable investment in our transformation to a data and technology led organisation. We are the UK’s biggest mortgage provider in the market, lending in excess of £300 billion to help our customers buy homes.

Mortgage 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.

As a senior 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 scope, define, and 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, providing technical leadership and mentoring to junior analysts in the team.

You’ll need to have experience in credit risk and have the analytical skills to deliver insights and proposals to ensure we continue to lend safely. As a senior analyst in the team, junior colleagues will look to you to set a good example in organising your work and continually developing yourself, as well as coaching and supporting others. The list here gives you information about the qualifications, skills and experience we’re looking for.

We don’t expect you to be advanced in them all already; but be prepared to learn on the job and have the motivation to develop.

• Demonstrable experience in credit risk and change management – an understanding of what credit risk is and how we manage it with strategies and scorecards.
• Strong numerate skills and qualifications – a degree (or equivalent) in a numerate subject with knowledge of advanced analytical techniques.
• Analytical expertise – practical experience of using analytical software and coding, such as SAS, and be confident in using Microsoft Office, particularly Excel and PowerPoint.
• Logical and analytical mindset – the ability to work quickly and at a high level of detail and accuracy.
• Effective communicator – ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally.

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we’re committed to creating an environment in which everyone can thrive, learn and develop. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 28 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Want to do amazing work that’s meaningful and impacts millions of customers? Join us.