Senior Credit Risk Analyst

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As a Senior Credit Risk Analyst, you will be reporting to the Credit Risk Manager. This role is responsible for the calculation of the provision (IFRS 9), charge analysis, and provision reporting for the group. You will also support the production of regular and ad-hoc provision papers. You will be in constant dialogue with the 1st line Credit Risk team to understand any portfolios of concern, run provision scenarios, and provide a second line lens to any overrides to the provision that the 1st line Credit Risk team have implemented.

Responsibilities

• Run the monthly prevision (ECL) process for the Group and the PF division, delivering outputs and MI to support and integrate with finance processes.
• Support provision input into key governance and control forums across the business.
• Support the review of the provision modelling approach and highlight areas that require development.
• Ensure the IFRS 9 model runs as intended, providing reporting and monitoring in line with Model Risk Management policy requirements.
• Provide stakeholder and governance forums with analysis and monitoring to demonstrate the ongoing effectiveness of the IFRS 9 model.
• Work with stakeholders to analyse and understand key changes in the portfolio and the impact they have had on the provision in the month.

Qualifications

Essential

• Numerical Degree, strong analytical skills, and excellent attention to detail.
• SQL experience.
• Advanced Excel skills.
• Strong understanding of the fundamental concepts of data.
• A solid grounding in data analysis.
• Experience of using complex data.

Desirable:

• Background in IFRS 9.
• Modelling experience.

Additional Information

If you feel you have some of the skills mentioned above, but not all, please do still apply, and we would be happy to have a further discussion with you regarding your suitability for the role.

Together embraces diversity and inclusion and is proud to be an equal opportunity workplace. Not only do we welcome differences – we celebrate them, support them, and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills.

If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.

Please note that all successful applicants will undergo relevant employment reference, financial, and criminal record checks.