Senior Credit Risk Analyst

at  Yorkshire Building Society

The Credit Risk team is an integral part of YBS’s Risk function. We pride ourselves on working collaboratively with our colleagues in teams across the business, including Trading, New Product Development, Direct and Intermediary Distribution, Finance and Collections & Recoveries to ensure we’re identifying, mitigating and managing conduct, credit and operational risks. This allows us to provide a fantastic experience for our customers and provides sustainable growth and performance for our members. Above all else, the Credit Risk function helps YBS to deliver real help with real lives in a safe and responsible way.

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 retail mortgage market would be beneficial but is not essential if you have experience in other Financial Services or similar.
• Outstanding analytical and problem-solving skills 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. We’re happy to talk flexible working and you can reach out to us anytime during the recruitment process to discuss this.
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.

As a Senior Credit Risk Analyst you’ll be a key member of our 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

• Ensuring our key credit risk controls such as lending policy, affordability and scorecards are operating effectively. You’ll proactively identify areas of risk and/or opportunity to ensure these controls remain robust and appropriate - for example working with Mortgage Trading to make a change that helps keep the society within regulatory limits on higher risk lending exposure.
• Supporting YBS’ growth aspirations whilst ensuring lending is responsible. You will work with other areas of the business, gaining approval for strategic changes to our lending policy to support business growth whilst ensuring credit risks are managed.
• Analysing portfolio and customer data. Build an in-depth understanding of the internal and external data held across the society drawing insight to inform the risk exposures and assurance levels across our retail lending portfolio.
• Ensuring high quality, insightful credit risk analytics are produced. You will be responsible for the production of credit risk analytics that provides real insight and can be used to inform strategic decision-making.
• Supporting others. You will use your expert knowledge and experience to support other team members as well as colleagues from across the business with lending policy queries.