Senior Credit Risk Analyst; LOD - Real Estate​/Property

Birmingham Specialist Property & Structured Lending Environment

Our client is a growing UK financial services organisation operating within the specialist property-backed lending sector. With a current lending portfolio of approximately £250m and further capital expansion planned, the business continues to strengthen its risk infrastructure as part of its next phase of growth.

The organisation operates within a highly regulated environment and has established a strong reputation for disciplined underwriting, prudent governance and customer-focused lending solutions across Home Purchase Plans, Buy-to-Let (BTL), Bridging / Development broader specialist finance products.

As part of the continued evolution of the Risk function, the business is now seeking to appoint a commercially minded and technically capable Credit Risk professional with strong analytical capability, IFRS9 knowledge and experience across portfolio risk, modelling and risk framework development.

This position represents an excellent opportunity for an individual looking to play a genuinely influential role within a growing lending platform, working closely with senior leadership and governance committees while helping shape the future direction of portfolio risk oversight.

The successful individual will play a key role in the ongoing development, monitoring and enhancement of the organisation's credit risk framework, with particular focus across portfolio analytics, IFRS9 methodology, stress testing, impairment analysis and proactive risk identification.

The role will suit an individual capable not only of producing high-quality analysis and reporting, but also interpreting portfolio trends, identifying emerging risks and helping drive meaningful risk-based decision making across the wider business.

The position sits closely alongside the broader Second Line Risk function and will involve regular exposure to senior stakeholders, governance committees and strategic risk discussions.

• Monitor and assess the performance of the firm's HPP, BTL, Bridging and specialist lending portfolios, identifying emerging trends, concentration risks and early warning indicators.
• Support the development, enhancement and ongoing calibration of IFRS9 / Expected Credit Loss (ECL) methodologies and portfolio impairment frameworks.
• Contribute toward the design, implementation and refinement of credit risk models, stress testing frameworks and scenario analysis tools.
• Produce portfolio analytics, MI and risk reporting for Executive Committees, Credit Committees and Board-level governance forums.
• Assist in the ongoing development of credit risk policies, risk appetite frameworks and portfolio governance standards.
• Analyse arrears performance, delinquency trends, forbearance activity and portfolio migration behaviour to support proactive risk management decisions.
• Work closely with Underwriting, Finance, Compliance and Operations teams to ensure robust risk oversight across the lending lifecycle.
• Support risk-based decision making through meaningful interpretation of portfolio data and forward-looking risk indicators.
• Assist in the maintenance and development of enterprise risk registers, governance reporting and broader 2
  
  LoD oversight processes.
• Act as Secretariat support to Credit Committee and associated governance forums where required.
• Contribute toward regulatory and internal audit responses relating to portfolio risk, impairment modelling and governance controls.
• Support ongoing enhancement of risk frameworks as the business expands into additional lending and commercial finance sectors.

• Experience with in Credit Risk, Portfolio Risk, Risk Analytics or IFRS9-focused roles gained within banking, specialist lending, mortgages, real estate finance, challenger banking or wider financial services environments.
• Strong understanding of IFRS9 standards, Expected Credit Loss (ECL) methodologies and impairment modelling principles.
• Experience supporting or developing credit risk models, stress testing frameworks or scenario analysis…