Personal Banker / Financial Solutions Advisor

Apogee Corporation*; Shrewsbury; On-site; GBP 45,000 - 60,000; Full time

Job summary

A financial institution in the United Kingdom is seeking a Credit Risk Analyst to lead quality assurance reviews across its mortgage portfolio. This role involves conducting QA reviews, providing subject matter expertise on lending criteria, and ensuring that QA findings are integrated into operational practices. The ideal candidate will have at least 5 years of underwriting experience in a secured lending environment and strong analytical skills. Excellent communication is essential, as well as the ability to work both independently and within a team.

Qualifications

• Minimum 5 years' experience in mortgage underwriting with a lending mandate.
• Strong understanding of secured lending across BTL, Bridging, and Residential asset classes.
• Analytical mindset with proven ability to interpret data and produce meaningful insights.

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.
• Collaborate with internal stakeholders to ensure QA findings are actioned.

Skills

Mortgage underwriting

Quality assurance processes

Data analysis and interpretation

Stakeholder management

Team collaboration

Job description

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 will span 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.