Credit Risk Analyst Graduate


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    Job TypePermanent
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    State/ProvinceGreater Manchester
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    AddressManchester
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Credit Risk Analyst

Wilmslow

Who we are

An award-winning bank here to help Britain’s go-getters.

More about us

In 2009, Aldermore set out to be the bank helping those with ideas, big and small, to realise their dreams and to seek and seize opportunity in their personal and professional lives. We call it banking for the bold. Today, we’re an award-winning bank that has helped fund the growth of Britain’s small businesses through a range of business finance solutions, specialist mortgages and savings accounts that provides our customers with the support they need to make things happen. Join us if you want to find yourself at the heart of a dynamic, growing organisation where our employees are empowered to grow their expertise and build their careers.

Credit Risk Analysts in Aldermore’s Risk department play a key role in ensuring we balance our growth with robust risk management and controls, supported by effective governance, policies and procedures. Whether working in Compliance; Operational Risk; Enterprise Risk; Credit Risk; Financial Crime; Retail or Business Finance Risk, everyone helps to implement and embed a risk management ethos and culture that ensures our customers are treated fairly whilst supporting our business model and strategic priorities. The challenges presented by our risk appetite while remaining agile, responsive to opportunity and change, offer all the scope you need to build a diverse and dynamic career.

The Role

We have a fantastic opportunity to join our Group Risk team in Wilmslow as a Credit Risk Analyst. Within this role you will be responsible for the development and provision of meaningful insight and analysis across the bank.

The Credit Risk team are very dynamic, with a great culture, if you like working in a fast-paced environment this is the role for you.

The Credit Risk Analyst is also responsible for supporting the maintenance, development and enhancement of the regular reporting routines and to identify opportunities and mitigate risk/loss in order to enhance the overall profitability of the business, along with ensuring that regulatory reporting submission data is accurate.

The Credit Risk Analyst role will predominantly focus on the different mortgage portfolios initially, but with the potential to expand into other areas, including business finance and savings.

Key Accountabilities / Responsibilities include

* Prepare, develop and provide regular, appropriate and timely portfolio monitoring MI and analysis to inform the business, identify variances and trends, identify risk concentrations within the portfolio and influence, support and develop origination and portfolio management strategies to maximise opportunities within risk appetite.

* Use data, quantitative analysis and knowledge of the portfolio to influence and drive positive change and effective strategic decisions.

* Monitor, evaluate and assess all aspects of risk strategy.

* Support and assist with the auditing of external data submissions to regulators and industry bodies and ensure the process remain efficient.

* Support the Credit Risk Manager and Head of Portfolio Management and Regulatory Reporting through the preparation of product/strategy papers and proposals for review/submission to relevant credit committees.

* Monitor developments across the credit industry and make use of external market data available to benchmark performance and inform analysis and/or recommendations where appropriate.

Experience required

* Direct and recent experience of credit risk related matters including data mining and analytical and/or scoring techniques.

* A working knowledge of SAS or SQL would be desirable

* Highly numerate and analytical, with an aptitude for problem solving

* Excellent written and verbal communication skill

* Self-motivated, with a thirst challenge

* Team Player

* Hard working with high attention to detail

Qualifications

* Degree in Math’s, Statistics or Economics is desirable but not essential.

The Rewards

As you would expect, this opportunity offers a competitive basic salary and reward package, and you’ll also benefit from our commitment to investing in your professional development.

Agencies Paragraph

We do not accept speculative agency CVs. Any CV received by Aldermore will be treated as a gift and not eligible for an agency fee. PSL agencies should only send CVs if authorised to do so by HR.

Where a DBS check or CIFAS check is identified as necessary, all application forms, job adverts and recruitment briefs will contain a statement that an application for a DBS certificate or a CIFAS check will be submitted in the event of the individual being offered the position.

Aldermore is an equal opportunities employer