Personal Banker / Financial Solutions Advisor

Apogee Corporation*; Telford; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A financial institution in the UK is seeking a Credit Risk Analyst to lead quality assurance reviews across its mortgage portfolio. This hybrid role will require strong expertise in secured lending and a minimum of 5 years' experience in mortgage underwriting. You will collaborate with stakeholders to act on QA findings and support policy development initiatives while working in a small, agile team. The position offers exposure to diverse mortgage products and strategic initiatives.

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.

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

Analytical mindset

Communication skills

Stakeholder management

Team collaboration

Job description

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 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.

Location: Hybrid – UK based (Edinburgh, London or Birmingham offices with time spent in the office and at home).

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.