Senior Credit Risk Analyst (Business Banking)

Join our team as a Senior Credit Risk Analyst in Business Banking. You will be responsible for making responsible lending decisions, improving credit decisions, and overseeing key aspects of the portfolio. You will provide technical insight, form relationships with the wider Risk team, and mentor junior analysts. This is an exciting opportunity to shape and deliver enhanced credit decisioning capabilities.

• As a Senior Credit Risk Analyst in Business Banking, your main responsibilities will include:
• 1. Providing technical insight and leadership in the development and implementation of credit risk strategies and systems, ensuring that lending decisions are made responsibly and efficiently.

2. Utilizing your analytical expertise to deliver insights and proposals that enhance credit decisioning capabilities, while overseeing key aspects of the portfolio to act in the best interests of customers.
3. Mentoring and coaching junior analysts in the team, setting a good example in organizing work and continually developing yourself, while also deputizing for management when required.

• We don’t expect you to be advanced in them all already, but be prepared to learn on the job and have the motivation to develop
• As a senior analyst in the team, junior colleagues will look to you to set a good example in organising your work and continually developing yourself
• You’ll need to have some experience in credit risk and have the analytical skills to deliver insights and proposals to ensure we continue to lend safely
• The list here gives you information about the qualifications, skills and experience we’re looking for
• Effective Communicator – ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally
• Analytical expertise – practical experience of using analytical software and coding, such as SAS or SQL, and be confident in using Microsoft Office, particularly Excel and Powerpoint
• Knowledge of Credit Risk and Change Management – an understanding of what credit risk is and how we manage it with strategies and scorecards
• Enthusiasm for problem solving – When the answer isn’t in the data, sometimes you need to look elsewhere, and this takes a curious, creative attitude and logical thinking to explore the problem and find a solution
• Strong numerate skills and qualifications (either A-Level or Degree)
• Proficient in PowerBI
• Coaching junior members of the team
• Deputising for Management where required and supporting them to shape initiatives
• Experience in business lending