Risk,Underwriting
Senior Credit Risk Analyst Commercial Lending
Job ID: 009027
Location: Leeds, UK, LS1 8EQ
Job type: Permanent - Full Time
Salary: Up to £45,000 per annum (depending on experience) + Bonus & Benefits
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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
Our commercial success
Here at Yorkshire Building Society, we’re blending a commitment to doing the right thing with genuine commercial success. We’re owned by our 3 million members, and we manage their £40 billion assets wisely. Whether it's through our savings, mortgage or commercial lending products, our Commercial Team creates and delivers the products our members need to help real life happen. And drive our commercial success.
About Our Benefits
Everyone’s different. That’s why we offer a wide range of benefits and rewards that we think you’ll love – whatever’s important to you, and whatever stage of life you’re at. Such as…
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Our pension scheme (where you can get up to 11% from us)
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On target bonus of 7% (with the opportunity to earn up to a maximum 15%)
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Access to brilliant health benefits
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Life assurance at 6 times your salary
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25 days’ holiday (and the option to buy more)
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Cycle to work or an interest-free loan for an annual ticket
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Wellbeing resources and tools
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Retail and Leisure discounts
Learning & Development
Everyone can build a career path they love here. And that’s because we offer a wide range of programmes, opportunities and more to help you learn, grow, and develop – and reach your full potential.
These include...
- Personal Growth Toolkits - a range of materials that help you discover your strengths, identify your goals, and your next steps.
- Secondment and Stretch opportunities – helping you gain experience in different areas of our business and new ways of working.
- Learning Champion Network – opportunities to work outside of your immediate area and build new skills.
- Apprenticeships and Professional Qualifications – a range of brilliant apprenticeships and programmes available to everyone.
- REACH Diverse Leadership Programme – helping our Black, Asian and Ethnically Diverse leaders progress into senior leadership roles.
Diversity, Equity & Inclusion And we also have our Colleague Support groups, such as ManKind and Family Foundations, where colleagues can connect, and talk about issues that matter.
You’ll find people from all walks of life here, with different cultures, beliefs, ages, outlooks and more. And we’re proud of our differences. So we’re dedicated to creating a workplace where everyone feels welcome, supported, and empowered to be their whole self at work.
Our five Colleague Networks play an important role in helping that happen – and have a real impact on our everyday working life here. Each is closely linked to our Diversity, Equity and Inclusion committee, and sponsored by a member of our Senior Leadership Team.
And we also have our Colleague Support groups, such as ManKind and Family Foundations, where colleagues can connect, and talk about issues that matter.
Ways of working
We know there’s no single right way of working that fits everyone. That’s why we’re not trying to find one. Instead, we’re doing everything we can to make sure that when we’re working flexibly, together and apart, we’re working at our best. And help our colleagues get the most out of work, and take care of themselves, wherever they’re working.
Whether you’re in an office-based team or your team is spread across the country, you’ll have lots of chances to get together with your colleagues for those Moments that Matter – which are all about building wonderful relationships and strong bonds with your colleagues.
Hear from our people
Meet the Recruiter(s)
Sophie Harrison
Resourcing & Inclusion Specialist
Connect with Sophie HarrisonI recruit for the following business areas: People, Risk, Internal Audit & Commercial (excluding digital channels)
I joined YBS in October 2021. Prior to this I spent 5 years working within other financial services, gaining experience in internal recruitment, and ultimately realising this was the career I was passionate about.
I have been fortunate enough throughout my years in recruitment to recruit for lots of different areas but I currently specialise in our head office functions, supporting hiring managers with their resourcing needs and supporting candidates to achieve their full potential throughout our recruitment process.
Olivia Lambert
Resourcing & Inclusion Specialist
Connect with Olivia LambertI recruit for the following business areas: Commercial (excluding digital channels), Internal Audit, People & Risk
I joined the Society in 2017, and throughout that time I have worked in several departments, learning and growing along the way. However, it wasn't until April 2022 that I finally discovered my passion, which is recruitment.
In my current role with the Resourcing & Inclusion team, I’ve had the opportunity to collaborate with many amazing teams across the business. I absolutely love helping hiring managers find their perfect candidates, and it's equally rewarding to assist candidates in landing their dream jobs.
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