Secured Credit Risk Analyst (12 months)

NatWest Group; Birmingham; On-site; GBP 40,000 - 60,000; Full time

Job summary

A leading banking institution is seeking a Secured Credit Risk Analyst to drive credit risk management and valuation oversight. You will oversee property valuations and risk portfolios while collaborating with stakeholders to manage and mitigate risks in line with regulatory requirements. A strong background in analytical tools and a solid understanding of the UK housing market is essential for success in this 12-month position.

Qualifications

• Experience with UK Housing market, banking industry, risk management, and regulatory requirements.
• Ability to explain technical subject matter to a nontechnical audience.
• AssocRICS, MRICS or FRICS qualification is desirable.

Responsibilities

• Oversee credit risk of property valuers and valuations.
• Manage portfolio credit risks including bad debt provisions.
• Ensure key risks are identified and managed according to strategy.

Skills

Experience with coding languages

Excellent analytical skills

Understanding of the UK Housing market

Proficiency with analytical and presentation tools

Project management skills

Education

Banking, financial services or property degree

Job description

Join us as a Secured Credit Risk Analyst

• We’ll look to you to drive forward our Credit Risk Property Valuation strategy through the influence and ownership of new product design, account opening, portfolio management, innovation or arrears, covering strategy and policy
• You’ll be driving the development of personal and private secured residential and Buy to Let mortgage lending portfolios, assessing and recommending opportunities where appropriate
• This is an opportunity to gain exposure as you work with teams across the bank and external property valuation partners to design, sign off, implement, test, and monitor credit policies
• This role is available for a period of 12 months

What you'll do

As a Secured Credit Risk Analyst, you’ll have credit risk oversight of property valuers, valuations, property criteria policies and AVM providers, partnering with external valuation and data services suppliers to deliver valuations and monitor valuer performance against professional valuation standards.

You’ll also maintain oversight of credit mortgage portfolios and work with stakeholders in the first and second line to ensure valuation standards are maintained and appropriate remediation activity is agreed.

You’ll ensure key risks are identified and managed in line with our enterprise-wide risk management framework and strategy. You’ll also develop and maintain risk and decision support models, providing other analytically driven insight and innovative solutions to achieve future strategic priorities.

Other responsibilities will include:

• Supporting the management of portfolio credit risks including bad debt provisions, risk weighted assets and costs, delivering impairments, and provision cover within limits
• Making sure that the personal and private credit risk portfolios continue to perform within risk limit frameworks
• Driving active and effective change management through the successful design, development, and delivery of key strategic initiatives
• Ensuring our secured credit risk portfolio and new business Loan To Value remain within accepted tolerance
• Managing our property and climate risk policy and regulatory expectations
• Liaising with, and influencing the franchise regarding ongoing credit customer management and projects, providing insight and challenge where appropriate and driving the automation agenda

The skills you'll need

To succeed in this role, you’ll need experience with coding languages, coupled with excellent analytical skills. As well as this, you’ll need a good understanding of the UK Housing market, banking industry, its risk management, and the regulatory requirements. We’ll also consider banking, financial services or property graduates.

In addition, you’ll demonstrate:

• Proficiency with analytical and presentation tools
• Previous experience of the development and practical application of risk
• Project management skills and the ability to work as a team and with a range of stakeholders
• The proven ability to explain technical subject matter to a nontechnical audience
• An AssocRICS, MRICS or FRICS qualification is desirable but not essential