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Job Title: Senior Credit Risk Analyst
Job Type: Contract
Location: Wilmslow, Cheshire
Job Description: Senior Credit Risk Analyst
12 Month Fixed Term Contract
30-35 hours per week
Heard of us?
We're an award-winning bank; backing people to fulfil life's hopes and dreams.
Now is your chance…
The role of Senior Credit Risk Analyst is really important to us. You will be responsible for the development and provision of meaningful insight and analysis across the bank.
Based in our dynamic Wilmslow office, you will sit amongst a team of 5 in Wilmslow, a total team count of 8 across the business and report to the Head of Portfolio and Regulatory Reporting.
What would your day look like?
Prepare, develop and provide regular, appropriate and timely portfolio monitoring MI and analysis to inform the business, identify variances and trends, identify risk concentrations within the portfolio and influence, support and develop origination and portfolio management strategies to maximise opportunities within risk appetite.
Use data, quantitative analysis and knowledge of the portfolio to influence and drive positive change and effective strategic decisions.
Undertake strategic analysis of the portfolio, summarising results/conclusions and make recommendations where appropriate.
Develop reporting to third parties such as Credit Reference Agencies and ensure the ongoing accuracy and integrity of this reporting.
Provide portfolio analysis to monitor shifts in population stability, trends on financial strength and/or signs of financial stress via risk grade scores, and KRI's/characteristics.
Keep abreast of strategic changes within the business to ensure models remain valid and accurate. Use knowledge of the business and experience to make recommendations on assumptions and inputs used within the models.
Monitor, evaluate and assess all aspects of risk strategy; communicate results, conclusions and recommendations to senior management.
Monitor developments across the credit industry and make use of external market data available to benchmark performance and inform analysis and/or recommendations where appropriate.
Prepare written reports and recommendations on the results of analysis carried out.
Support the Credit Risk Manager and Head of Portfolio Management and Regulatory Reporting through the preparation of product/strategy papers and proposals for review/submission to relevant credit committees.
Develop and maintain strong relationships with key stakeholders to ensure data and assumptions are valid, robust and accurate and to ensure that risk strategies and models are implemented successfully and add value.
What do we expect of you?
Excellent working knowledge of SAS, Excel, Word and PowerPoint
Direct and recent experience of credit risk related matters including data mining and analytical and/or scoring techniques.
Knowledge of Credit Risk decisioning systems and originations and in-life servicing processes
A detailed knowledge of mortgages
A working knowledge of Tableau is desirable
Highly numerate and analytical, with an aptitude for problem solving
Excellent written and verbal communication skill
Self-motivated, with a thirst challenge
Hard working with high attention to detail
What can you expect of us?
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.
A 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. We've propelled entrepreneurs on their journeys; we've given first-timers a leg-up onto the property ladder; and we've 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