Senior Credit Analyst, Motor

Shawbrook; London; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading financial institution in London is seeking a Senior Credit Analyst to enhance their risk management framework. The role involves conducting credit risk assessments, collaborating on underwriting policies, and mentoring junior staff. The ideal candidate will have strong analytical skills and a proven track record in credit risk strategies. Join a dynamic team that values innovation and customer-centric approaches.

Benefits

Market leading family friendly policies

Free access to Headspace app

Free access to Peppy app

Employee Assistance Programme

Cycle to work scheme

Discounts on gym membership

Contributory pension scheme

Minimum of 27 days holiday

Flexi-holiday scheme

Annual discretionary bonus scheme

Qualifications

• Proven track record in developing successful credit risk strategies.
• Experience in managing high-performing teams.

Responsibilities

• Conduct comprehensive credit risk assessments.
• Collaborate with the Head of Underwriting on risk metrics.
• Mentor junior members of the underwriting team.

Skills

Analytical Skills

Problem Solving

Communication

Leadership

Decision-Making

Job description

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Company Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our 'best of both' approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you're willing to roll up your sleeves, contribute new ideas and believe anything is possible, you're our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Job Description

The Senior Credit Analyst plays a crucial role in supporting the organization's strategic objectives through the implementation of rigorous and effective underwriting practices. This position is instrumental in maintaining the integrity of our risk management framework whilst ensuring customer-centric approaches remain at the forefront of our operations.

Key responsibilities include:

• Conduct comprehensive credit risk assessments and analyses to support informed decision-making processes.
• Collaborate closely with the Head of Underwriting to develop and refine risk metrics that align with the organization's risk appetite and regulatory requirements.
• Implement and monitor changes to underwriting policies and procedures, ensuring strict adherence to established guidelines.
• Provide expert guidance and support to senior management across various business units on complex credit-related matters.
• Develop and maintain robust risk management strategies that effectively balance business growth objectives with prudent risk management practices.
• Conduct regular reviews of the credit portfolio to identify potential risks and recommend appropriate mitigation strategies.
• Prepare and present detailed analytical reports to senior management, highlighting key risk indicators and trends.
• Ensure all underwriting activities comply with relevant regulatory standards and internal policies.
• Contribute to the continuous improvement of underwriting processes, leveraging industry best practices and emerging technologies.
• Mentor and provide technical guidance to junior members of the underwriting team, fostering a culture of excellence and professional development.
• Maintain an unwavering focus on customer needs and experiences throughout all aspects of the underwriting process, ensuring fair and ethical practices are consistently applied.

Qualifications

• Proven track record in developing and implementing successful credit risk strategies
• Excellent analytical and problem-solving skills with meticulous attention to detail
• Demonstrated leadership abilities and experience in managing high-performing teams
• Exceptional communication skills with the ability to present complex information clearly
• Strong decision-making capabilities, particularly in high-pressure situations

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It's important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you're enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We're focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done