Risk Analyst Halifax, England
Lloyds Banking Group
Full Time
Halifax, England
23184 - 25760 GBP ANNUAL Today
Job description
End Date
Monday 30 January 2023
Salary Range
£23,184 - £25,760Agile Working Options
Job Description Summary
We have an exciting opportunity for an analyst to join our Mortgage Credit Risk team. LBG are the UK’s biggest mortgage provider, lending in excess of £300 billion to help our customers buy homes. As a credit risk team, we produce insight through analytics to make sure we lend responsibly and continually improve our credit strategies to optimise our decisions.
Job Description
About Us
LBG are the UK’s biggest mortgage provider in the market, lending in excess of £300 billion to help our customers buy homes. Mortgage Credit Risk are responsible for the lending strategy, risk appetite, portfolio insight and performance monitoring of the Retail mortgage portfolio, covering Residential and Buy To Let loans across all brands.
Core Purpose of the Role
Our team purpose is to deliver responsible and sustainable lending to help customers buy a home. We do this by taking ownership to act, while supporting each other and valuing difference. This is key in Helping Britain Prosper.
You will be part of a collaborative team delivering insight through analytics to help manage the risks associated with our mortgage lending. We’re continually using our knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisioning systems. We oversee key aspects of the portfolio to ensure we’re acting in the best interests of our customers and we support the business to deliver safe and sustainable growth.
As an analyst on the team, you will use a variety of analytical approaches to provide technical insight on the Mortgage Credit Risk strategies. You will help to define and deliver analysis to support the team goals, using SAS or Excel daily to interrogate complex data and translate outputs into meaningful conclusions.
It’s an exciting time to be joining the Mortgages team. The Group has set out its ambitions to become a market leader in low emissions and sustainability and mortgages are a key part of that plan. If you want to support the Bank on its journey to be carbon zero, come and join us.
What are we looking for?
You’ll need to 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. 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.
- Strong numerate skills and qualifications – a degree (or equivalent) in a numerate subject with knowledge of advanced analytical techniques.
- Analytical expertise – practical experience of using analytical software and coding, such as SAS, and be confident in using Microsoft Office, particularly Excel and Powerpoint.
- Logical and analytical mindset – the ability to work quickly and at a high level of detail and accuracy.
- Knowledge of credit risk and change management – an understanding of what credit risk is and how we manage it with strategies and scorecards.
- Effective communicator – ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally.
- Self starter – a high level of creativity, drive, innovation and initiative.
- 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
What will you get in return?
A very fair reward package, including 24 days holiday, generous pension contributions and additional 4% of your salary to be used within our Flex scheme. You’ll learn new skills and be given opportunities to grow and develop to help you achieve a rewarding and fulfilling career. We’re a very supportive team who care about your wellbeing. Our Hybrid ways of working means that you can find a work-life balance that suits you, with a mix of home and office working.
We’re committed to building a workforce which reflects the diversity of the customers and communities we serve. So, if you’d like to come and work with us in a supportive and exciting credit risk role, we would love to hear from you!
Together we make it possible!
At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.
