Credit Risk Analyst

Job Description

Heard of usWere an award-winning bank; backing people to fulfil lifes hopes and dreams.Now is your chance…The Credit Risk Team sits within the Banks Risk Function but is deeply embedded in the Banks market leading Credit Risk business line. The team has a wide scope of work supporting a significant business line and operation and plays a critical role in both its managing risks and delivering excellent customer experience.What would your day look likeYou will report into the Credit Risk Manager, who will be your line manager and responsible for things like performance review meetings, 1-1s and development conversations.The role of Credit Risk Analyst is really important to us. You will predominantly focus on the different mortgage portfolios initially, but with the potential to expand to other areas, including business finance and savings. In addition you will be responsible for:

Prepare and develop regular MI and analysis to support the portfolio monitoring and credit strategies.

Support the regulatory and contractual reporting through existing data validation and submission routines, together with the development and maintenance of new and existing reporting requirements.

Extract and manipulate data and present meaningful insight to stakeholders.

Undertake strategic analysis of the portfolio, summarising results/conclusions and making recommendations where appropriate.

Use data, quantitative analysis and knowledge of the portfolio to drive positive change & effective strategic decisions.

Maintain knowledge of the sources of data to ensure that all reporting and data extraction is appropriate and relevant.

What do we expect of you· Excellent working knowledge of SAS, Excel, Word, PowerPoint· Experience of using Tableau is desirable· Experienced in credit risk related matters including data mining and analytical techniques· The ability to manage a varied workload and maintain significant attention to detail· Knowledge of Credit Risk decisioning systems and originations and in-life servicing processes· A detailed knowledge of mortgages is highly desirable but not essential· Ideally educated to degree level in a numerate subject, demonstrating high numeracy and analytical skills, with an aptitude for problem solving· Excellent written and verbal communication skillsWhat can you expect of us· A friendly and flexible culture, synonymous with our proposition to our Customers.· A smart yet comfortable working environment, well located for the daily commute and those lunchtime errands.· A growing organisation that defines itself as being nimble, lean and strong.· A drive for continuous improvement, for which you will be empowered to get behind from day one.· A visible and approachable ExCo; who you will very likely to bump into whilst making your morning coffee.And of course you will be compensated competitively, with a good range of core benefits and bonus potential.Still CuriousA lot can happen in a year!In 2019 Aldermore Group was formed; bringing together two very successful businesses, Aldermore Bank and MotoNovo Finance, under the First Rand umbrella. Whilst our parent company operates internationally from their HQ in South Africa, we are a UK-based financial services specialist that supports our customers across a range of products and services, with hubs throughout the UK, including London, Reading, Manchester and Cardiff.We also celebrated our 10th Birthday and fundamentally 10 years of helping those with ideas; by saying yes to our customers. Weve propelled entrepreneurs on their journeys; weve given first-timers a leg-up onto the property ladder; and weve opened up the lending market to many.As for what the next 12 months has to offer; we are embarking upon the delivery of our Purpose; a Purpose that underpins our next 3 to 5 years as a growing business. Join us today and we will make the same Promises to you as an employee, as we do to each of our Customers.We do not accept speculative agency CVs. Any CV received by Aldermore will be treated as a gift and not eligible for an agency fee. PSL agencies should only send CVs if authorised to do so by HR.Where a DBS check or CIFAS check is identified as necessary, all application forms, job adverts and recruitment briefs will contain a statement that an application for a DBS certificate or a CIFAS check will be submitted in the event of the individual being offered the position.Aldermore is an equal opportunities employer. Required skills

SAS

mortgage

credit risk

portfolio

Keyskills :
SAS mtgage credit risk ptfolio