Senior Credit Risk Analyst

Working Hours: Standard (09:00am-17:30pm)Department: Group RiskOffice or Field Based: Office Based (Cheadle, SK8 3GW)Contract type: PermanentCompany DescriptionWe’re Together– the market leading property finance experts with an entrepreneurial spirit.Based in Cheadle, South Manchester, we’ve been established since in 1974 and have built a team of over 750 colleagues, who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.We pride ourselves on our common-sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders. Our customers are central to everything we do and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality.We’re looking for great people from all backgrounds and experiences who love working together and putting our customers at the heart of everything we do – and that starts with our brilliantly different team of people.Job DescriptionAs a Senior Credit Risk Analyst, you will be responsible for supporting the oversight of first line credit risk management and reporting and development of product standards. You will analyse portfolio risks and concentrations and build portfolio and arrears forecasting; escalating material risks to committees as required. You will also support the Senior Manager Credit Risk in the development of cost of risk and use of credit scoring strategies for these products (as part of transformation) portfolio. In liaison with key stakeholders, you will identify key pockets of credit risk and ensure that these are being appropriately managed.As a Senior Credit Risk Analyst, we are looking for someone to:Analysis of portfolio credit risks, providing timely and accurate updates to risk committees.Pro-active identification of trends and insights based on regular credit risk reporting, supporting the Senior Credit Risk Manager with the actions required to address areas of concern/opportunity, working with the first line credit risk teamPerform analysis to support changes to credit risk strategies, lending and arrears management policiesSupport development and monitoring of new products and strategiesAnalyse portfolio risks and concentrations and build portfolio and arrears forecasting; escalating material risks to committees as requiredSupport the development of affordability, valuation and credit strategiesQualificationsNumerical background and strong analytical skillsExperience of credit risk managementExperience with analytical software, e.g. SQL, Python, Power BIA solid grounding in data analysis using quantitative analytic tools and good research skillsExperience of using complex dataStrong understanding of the fundamental concepts of credit risk managementAdvanced Excel skillsGood understanding of risk management of secured lending portfoliosAdditional InformationBenefits working at Together26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidaysBuy & sell holidaysDiscretionary annual bonusLife assuranceCritical illness coverHealth cash planPrivate medical insuranceFree access to company holiday homesTravel season ticket loansRide to work schemeFree local gym accessLocal bar / restaurant discountsTogether Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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