Credit Risk Analyst

Culina; Gloucester; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A financial institution in Gloucester is seeking a Credit Risk Analyst to lead second line quality assurance reviews of the mortgage portfolio. The ideal candidate will have at least 5 years of experience in mortgage underwriting and a strong understanding of secured lending. Responsibilities include collaborating with stakeholders on QA findings and supporting MI process development. This role offers competitive salary and benefits including a pension plan and hybrid working options.

Benefits

Competitive salary

25 days holiday plus birthday off

Pension contribution with Royal London

Life assurance

Private medical, dental and optical health insurance

Hybrid working

Free breakfast available

Qualifications

• Minimum 5 years' experience in mortgage underwriting with lending mandate.
• Strong understanding of secured lending across BTL, Bridging, and Residential.
• Experience in QA processes, including oversight of third-party providers.
• Analytical mindset with ability to interpret data and produce insights.
• Excellent communication and stakeholder management skills.

Responsibilities

• Conduct second line QA reviews of mortgage underwriting decisions.
• Provide SME input on lending criteria and policy changes.
• Collaborate with stakeholders to ensure QA findings are actioned.
• Support MI production and development of MI processes.
• Contribute to continuous improvement of credit risk oversight.

Skills

Mortgage underwriting

Quality assurance processes

Stakeholder management

Data interpretation

Collaboration

Job description

Job Overview

As a Credit Risk Analyst you will lead and manage second line quality assurance (QA) reviews across the Bank's mortgage portfolio, including organic lending brands and forward flow partners. The role spans multiple asset classes such as Buy to Let (BTL), Bridging, and Residential lending. You will also provide subject‑matter expertise (SME) on lending criteria, policy development, and support new strategic initiatives.

Responsibilities

• Conduct second line QA reviews of mortgage underwriting decisions across all secured lending channels.
• Provide SME input on lending criteria, policy changes, and new product development (e.g., Bridging and Residential).
• Collaborate with internal stakeholders to ensure QA findings are actioned and embedded into operational practices.
• Support MI production and development of MI processes, working closely with team members to reduce single‑person dependencies.
• Contribute to the continuous improvement of credit risk oversight and governance frameworks.

Qualifications

• Minimum 5 years' experience in mortgage underwriting with a lending mandate.
• Strong understanding of secured lending across BTL, Bridging, and Residential asset classes.
• Experience in quality assurance processes, ideally including oversight of third‑party providers (e.g., valuation panel managers).
• Analytical mindset with proven ability to interpret data and produce meaningful insights.
• Excellent communication and stakeholder management skills.
• Ability to work independently and collaboratively within a small, agile team.

Benefits

• Competitive salary
• 25 days holiday plus birthday off
• Pension contribution with Royal London
• Life assurance
• Private medical, dental and optical health insurance with Axa
• Hybrid working – Wrexham
• Free breakfast available