Credit Risk Analyst

Lloyds Banking Group; Leeds; On-site; GBP 40,000 - 55,000; Full time

Benefits offered by this job

Generous pension contribution of up to 15%

Annual performance-related bonus

Share schemes including free shares

Discounted shopping benefits

24 days' holiday plus bank holidays

Wellbeing initiatives and parental leave policies

Job summary

A leading banking institution seeks a Recruitment Manager to oversee the credit risk analysis team. This role involves using analytical data to ensure responsible lending. The ideal candidate will have a numerate degree, strong communication skills, and proficiency in SAS or SQL. The position promotes a hybrid work style, emphasizing team collaboration and a commitment to improving customer outcomes. This is an excellent opportunity for someone passionate about analytics in the financial sector.

Qualifications

• Degree or equivalent in a numerate subject with analytical techniques.
• Confident in Excel and PowerPoint.
• Swiftly review data with attention to detail.

Responsibilities

• Deliver insight through analytics to manage mortgage lending risks.
• Use analytical approaches to provide insights on strategies.
• Support team goals with daily analysis and data interrogation.

Skills

Numerate skills and qualifications

Experience with Microsoft Office

Accuracy and attention to detail

Effective communication

Problem-solving enthusiasm

Organization & time management

Education

Degree in a numerate subject

Tools

SAS

Excel

SQL

PowerBI

Job description

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This range is provided by Lloyds Banking Group. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

Direct message the job poster from Lloyds Banking Group

Recruitment Manager at Lloyds Banking Group

• LOCATION(S): Leeds, Chester, Birmingham or Edinburgh
• HOURS: Full- time - 35 hours a week.
• WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

About this Opportunity

LBG are the UK's biggest mortgage provider in the market, lending in excess of £300 billion to help our customers buy homes. Homes Credit Risk are responsible for the lending strategy, risk appetite, portfolio insight and performance monitoring of the Retail mortgage portfolio, covering Residential and Buy to Let loans across all brands.

Core Purpose of the Role

Our team purpose is to deliver responsible and sustainable lending to help customers buy a home. We do this by taking ownership to act, while supporting each other and valuing difference. This is key in Helping Britain Prosper.

You will be part of a collaborative team delivering insight through analytics to help manage the risks associated with our mortgage lending. We're continually using our knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisioning systems. We oversee key aspects of the portfolio to ensure we're acting in the best interests of our customers, and we support the business to deliver safe and sustainable growth.

As a credit risk analyst on the team, you will use a variety of analytical approaches to provide technical insight on the Mortgage Credit Risk strategies. You will deliver analysis to support the team goals, using SAS or Excel daily to interrogate complex data and translate outputs into meaningful conclusions. You will form relationships with the wider Risk team and 1st line business areas, supporting management to respond to specific requests from stakeholders.

It's an exciting time to be joining the homes team as we're heavily investing in our data and infrastructure to enhance our credit decisioning capabilities, enabling us to support more customers realise their property ambitions.

Why Lloyds Banking Group

We're on an exciting journey and there couldn't be a better time to join us. The investments we're making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive

What you'll need

• Strong numerate skills and qualifications - a degree (or equivalent) in a numerate subject with knowledge of analytical techniques.
• Practical experience using Microsoft Office - confident in using Excel and PowerPoint to manipulate and present data.
• Accuracy and attention to detail - you'll need to work swiftly and efficiently to review data and perform testing of system changes
• Effective Communicator - ability to explain complicated issues clearly to different audiences; both verbally and non-verbally.
• Enthusiasm for problem solving - When the answer isn't in the data, sometimes you need to look elsewhere, and this takes a curious, creative attitude and logical thinking to explore the problem and find a solution.
• Organisation & Time Management - proven ability to work well within a team environment without the need for close supervision and showing good time management and planning/organisation skills

And any experience of these would be really useful

• Knowledge and experience of Credit Risk and Change Management
• Practical experience of using analytical software and coding, such as SAS or SQL and PowerBI.

About working for us

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms.

We want our people to feel that they belong and can be their best, regardless of background, identity or culture.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative.

And it's why we especially welcome applications from under-represented groups.

We're disability confident. So if you'd like reasonable adjustments to be made to our recruitment processes, just let us know.

We also offer a wide-ranging benefits package, which includes

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 24 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Ready for a career where you can have a positive impact as you learn, grow and thrive?

Apply today and find out more.

(Please note our roles can generate a considerable amount of interest and can close early so don't miss out on this opportunity to apply today.)

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Analyst

Industries

• Banking

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