Credit Risk Analyst

How you'll help us live our purposeWe've been helping our members save for their future and buy a home of their own since 1875.
By joining us, you'll play a big role in helping us to put home ownership within reach of more people, generation after generation.It's a purpose that drives everything we do and one we're proud of.
And you can play your part too – join our Credit Risk Portfolio Management Team as a Credit Risk Analyst.How you'll make a difference…As a Credit Risk Analyst you will be undertaking a wide range of analytical activities that will require collaboration with other functions across the Society.
You will be performing analysis across the Credit Risk lifecycle to support monitoring of the portfolio and gain understanding of emerging credit risks.You will:Ensure our key credit risk controls such as lending policy, affordability and scorecards are operating effectively.
You'll proactively identify areas of risk/or opportunity to ensure these controls remain robust and appropriate.Develop, produce, and enhance Credit Risk reporting, highlighting emerging trends as well as supporting the production of papers for Working Groups / Committees.Develop bespoke high quality, insightful and accurate analysis to understand the drivers of identified trends, providing recommendations to management to mitigate risks and to support the optimisation credit strategies on an ongoing basis.Maintain business relationships with key internal and external stakeholders.Analyse portfolio and customer data.
Build an in-depth understanding of the internal and external data held across the society drawing insight to inform the risk exposures and assurance levels across our mortgage lending portfolio.Provide support for new product launches and lending policy changes and be responsible for supporting associated Post Implementation Reviews.Conduct benchmarking of the credit risk profile of the Society versus peers and other competitors and draw conclusions as to rationale for difference and opportunity for improvement.Maintenance of effective documentation across all relevant processes and procedures.Ensure adherence to all relevant regulatory rules and guidance applicable to the role.What you'll bring to the role:Working knowledge of SAS, Python, SQL or equivalent coding experience.Some experience in Credit Risk within Financial Services.Strong focus on accuracy and attention to detail.A logical and analytical mind with a passion for solving complex problems.Strong communication and interpersonal skills including the ability to write in a professional style and communicate effectively with a range of stakeholders.Competent using Excel, PowerPoint and Word.A degree, ideally in a numerate discipline (e.g., Maths, Statistics).Previous experience of working with Mortgage portfolios (Desirable).And in return, you'll get the best from us:An annual colleague bonus of up to 12%Hybrid working with 60% of your time at homeMatched pension contributions of up to 10%26 days holiday, plus bank holidays and holiday purchase scheme of up to 5 days each yearColleague Mortgage and Saver productsElectric vehicle scheme/ Cycle to Work scheme2 days' volunteering per yearWe'll give you a place to belong with the support to learn, develop and shape a meaningful career.Why choose Leeds Building Society?Our business is centred around our people.
Our colleagues are at the heart of everything we do and we're extremely proud of our Inclusive Employers Gold accreditation in 2023.
We're committed to equal opportunities regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability or gender identity.You'll be joining a truly purpose-focused culture which helped us win the Leading with Purpose award at the 2023 Business Culture Awards.
This recognises the progress we're making to embed our purpose with our colleagues, and the actions we've taken to put home ownership within reach of more people, generation after generation.Why wait?
Apply nowWe'd love to hear from you.
But don't wait around - we may close the advert early and we'd hate for you to miss out.Leeds Building Society is devoted to creating a culture and workplace that is representative of the communities we serve.
If you'd like to work with us but are unsure if you meet the full criteria for a role, please contact the recruiter as we'd like to find out more about the skills and experience that you could bring to the Society.
We're committed to supporting you to be at your best and if you'd like to discuss any reasonable adjustments, please reach out to us on ******.#LI-Hybrid
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