Senior Capital Stress Testing Analyst

Secure Trust Bank PLC; Cardiff; On-site; GBP 70,000 - 100,000; Full time

Benefits offered by this job

Discretionary bonus

Matched pension contributions

Birthday off

Wellbeing hour

Cycle2Work

Private healthcare

Life assurance

Volunteer days

Career progression

Job summary

Secure Trust Bank PLC is seeking a Senior Capital and Stress Testing Analyst to drive ICAAP, Recovery Plan, and regulatory reporting. You will collaborate with Risk, Finance & Treasury, Internal Audit and senior stakeholders to ensure robust capital planning, forecasting and stress testing aligned with regulatory requirements.

You will also contribute to the development of scenario forecasting, regulatory capital processes and capital optimisation initiatives, operating in a hybrid Solihull

Qualifications

• Qualified Accountant (ACA/CIMA/ACCA) preferable.
• IFR9 expected credit losses principles and practical application.
• Bank regulatory capital or risk experience in industry or advisory capacity.

Responsibilities

• Support ICAAP, Recovery Plan and Resolution Pack delivery with stakeholders (Risk, Finance & Treasury, Internal Audit).
• Oversee stress testing model development and governance; review and challenge results.
• Prepare milestone committee papers and ensure actions tracked; support SREP prep.
• Manage end-to-end Recovery Plan fire-drill materials and Recovery Indicator/Options reviews.
• Produce Capital MI for ALCO and support COREP reviews.

Skills

Numerate

Analytical thinking

Communication skills

Presentation skills

Prioritisation

Process improvement

Education

ACA/CIMA/ACCA

Job description

Job Role: Senior Capital and Stress Testing Analyst

Location: Solihull (with hybrid working)

Hours: 35 hours per week

About the company

Our customers are at the heart of everything we do, but we can’t achieve our customer focused strategy without the right people in our team.

At Secure Trust Bank, we know that people are our biggest Asset, which is why a career with us is not just a job. It's the chance to be part of something bigger, to add real value to the Bank and help us constantly improve. We believe in giving our staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All our employees have a tangible impact on the Group's core values, and we are looking for candidates who are enthusiastic, proactive and enjoy working in a fast-paced environment.

Why Join Us?

• A competitive salary and benefits package including discretionary bonus
• Matched pension contributions
• 25 days annual leave plus bank holidays and your birthday off, on us!
• A monthly wellbeing hour to spend doing whatever makes you happy
• A wide range of flexible benefits from Cycle2Work to private healthcare
• Life assurance
• Paid volunteering days and matched charity fundraising
• A collaborative and flexible working environment.
• Opportunities for professional development and career progression.
• A chance to make a real impact in a regulated, purpose-driven organisation.

What you'll be doing

We are seeking a motivated and detail-oriented professional to support the development, delivery and continuous enhancement of the Group's ICAAP, Recovery Plan and Resolution Pack. The role plays a key part in ensuring that capital reporting, planning, forecasting and stress testing activities are robust, accurate and fit for purpose, supporting both strategic decision-making and regulatory compliance. Working across the business, you will help strengthen the Group's capital management framework, providing insight and analysis that ensures the organisation remains well-positioned to meet its financial objectives and evolving regulatory requirements.

• Support the ICAAP and Recovery Plan delivery, engaging with key stakeholders including Risk, Finance & Treasury, Internal Audit and Divisional Leads as required. To include:
  • Timetabling and Governance
  • Updating stress testing approach and provide oversight of stress testing model development
  • Review and challenge of stress testing results
  • Preparation of milestone committee papers
  • Ensure challenges are logged and actions addressed
  • Support SREP preparation
  • Manage the end-to-end preparation of Recovery Plan fire-drill materials
  • Perform Recovery Indicator and Recovery Options reviews
• Produce high-quality written documents throughout the ICAAP, Recovery Plan and Resolution Pack process
• Support the maintenance, update, and refresh of regulatory capital forecasts periodically and in response to business & regulatory changes
• Scenario Forecasting and Reporting: Support in development of a suite of point in time and forecast scenarios reporting and analysis, producing insight and oversight to the Assets and Liabilities Committee (ALCO)
• Produce Capital MI for ALCO and support the COREP review process
• Maintain relevant knowledge and support the Group's prudential horizon scanning group
• Support the delivery and be a key contributor to capital projects such as SDDT and Basel 3.1 implementation
• Work with the Strategy and Corporate Development team to support capital optimisation initiatives from a regulatory capital analysis perspective

What we're looking for

• Qualified Accountant (ACA/CIMA/ACCA) preferable
• CertBALM, ACT, FRM, PRM are beneficial but not required
• IFR9 expected credit losses principles and practical application
• Bank Regulatory capital or risk experience, either in industry or an advisory/assurance capacity
• Financial planning, forecasting and modelling for a financial services business
• Practical working knowledge of banking & financial service organisations and understanding of financial products.
• Highly numerate, analytical and methodical
• Ability to organise, manage and prioritise work in order to deliver to tight deadlines.
• Experience presenting analysis and recommendations to management.
• Excellent written and verbal communication.
• Embraces change and drives process improvement.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK,we've been helping customers and businesses fulfil their ambitions since 1952. Inthat time, we've learned that we're more than the sum of our parts. We're a strong Group because of our peoplebeing ourstrength; specialist, expert, ambitious and also diverse. Allofour people are differentand this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That's why Secure Trust Bank Group nurtures differences. We understand that we perform better because we're not cast from the same mould. We actively embrace andsupportdiversity, work with leading industry bodies andpromoteinitiatives that reinforce our philosophy of giving you the freedom to be who you are.

We're an award-winning bank providing savings accounts and lending servicesto overone million customers. We're Secure Trust Bank Group. We embrace difference.