Senior Credit Risk Analyst Commercial Lending

Yorkshire Building Society Group; Leeds; On-site; GBP 45,000 - 65,000; Full time

Job summary

Join Yorkshire Building Society Group as a Senior Credit Risk Analyst in a dynamic role that combines data analytics with strategic decision-making within the Commercial Lending space. You will support growth aspirations while ensuring responsible lending, allowing for sustainable business practices and improved outcomes for customers.

Benefits

25 days holiday plus Bank Holidays

Bonus up to 15%

Pension contribution up to 11%

Private medical insurance

Access to discounts on retail and health

Qualifications

• Proven experience in Credit Risk or similar roles.
• Expert skills in SAS, SQL, and Excel.
• Knowledge of the Commercial Investment or SME mortgage market beneficial.

Responsibilities

• Support the Group's growth while managing credit risks.
• Ensure key credit risk controls operate effectively.
• Analyze market and customer data to identify trends.

Skills

Data manipulation

Analytical skills

Problem solving

Communication

Continuous improvement mindset

Education

Relevant degree in a related field

Tools

SAS

SQL

Microsoft Excel

Job description

Senior Credit Risk Analyst Commercial Lending Credit Risk

The Commercial Credit Risk team is an integral part of YBS’s Conduct and Credit Risk function. We pride ourselves on working collaboratively with our colleagues in teams across the business, including the customer facing teams in Commercial Lending including Business Development, Lending, Portfolio management and propositions to ensure we’re identifying, mitigating and managing credit, conduct and operational risks. This allows us to support expansion of our Commercial Lending business in a sustainable and responsible manner, whilst providing good outcomes for customers.

About the Role

As a Senior Credit Risk Analyst you’ll be a key member of the Commercial Credit Risk team, leveraging your credit risk expertise to help YBS deliver its objectives. You will get the chance to be involved in a range of interesting projects and initiatives. Some of the areas you could be responsible for:

• Supporting the Group’s growth aspirations whilst ensuring lending is responsible. Entering new market segments and defining lending criteria to meet changing customer needs, requires a clear understanding of the associated credit risks. You will work with other areas of the business to own and drive change to support business growth whilst ensuring credit risks are managed.

• Ensuring our key credit risk controls such as lending policy, affordability models, slotting models are operating effectively. You’ll review and challenge our approaches, ensuring these controls remain robust and appropriate.

• Analyse commercial investment and BTL market data and customer data to identify and assess key trends and risks, and use the insight to drive strategic responses which balance YBS growth ambition for Commercial Lending with robust risk management.

• Supporting the developing the credit risk capabilities within Commercial Lending which will be across diverse range of areas such as lending policy , affordability, stress testing, loss forecasting, sectoral analysis, portfolio monitoring and delinquency. You will play a critical part in ensuring the commercial lending growth is sustainable and delivering good outcomes for the Society and customers.

• Supporting on credit risk aspects of new propositional development including lending in specialist SME sectors.

• Ensuring high quality, insightful credit risk analytics are produced and can be used to inform strategic decision-making.

About You

• Proven experience in Credit Risk or other similar analytically based roles.

• Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel.

• Knowledge of the Commercial Investment, Buy to Let or SME mortgage market would be beneficial.

• Outstanding analytical and problem solving skill with the ability to identify trends or areas of concern within data.

• Continuous improvement mindset and always looking for ways we can improve our processes.

• Excellent communication skills with an ability to present findings and influence at a senior level

About us

At YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career.

Flexibility. We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you.

Development. We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

Inclusivity. We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.

About our Benefits

We offer lots of fantastic rewards that you can make the most of in and out of work, including:

• Holiday. You’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.

• Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).

• Pension. We know how important it is to save towards the future, that’s why we’ll contribute up 11% into your YBS pension.

• Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.

• My Benefits. When you join YBS you’ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts,

Ready to apply?

If you’re excited about this role and want to be part of the YBS team, click apply now to send us your application.

Want more information?

If you have any questions about this role, please contact Olivia Lambert on [e-mail]