Barleycorn
Credit Risk Analyst (Mortgages)
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Credit Risk Analyst (Mortgages)
My client requires an independent-minded and ambitious CREDIT RISK ANALYST to play a key role in assessing, monitoring and managing Credit Risk across a small portfolio of products.
The successful incumbent will ensure all risk decisions are ethical and aligned with internal policies and those of the Financial Conduct Authority (FCA).
Key Responsibilities:
Monitor and report on the performance of the existing product portfolios, identifying any emerging risks and trends, as well as any required action points as a result. Assist in the development of appropriate Credit Risk policies, procedures and frameworks. Manage and develop the packs for Credit Committee, Exco Risk Committee and Board Risk & Audit Committee; acting as Secretariat for the Credit Committee. Support the monitoring of accounts in arrears, forbearance cases and early warning indicators. Ensure compliance with relevant FCA regulations, internal governance process and principles. Proactively contribute to stress testing, scenario analysis and risk modelling activities. Collaborate with the Underwriting, Operations and Compliance teams to ensure the consistent application of risk standards across the business. Assist with the training of new team members on Financial Crime policies and procedures. Support any ad hoc Compliance and administrative tasks as required.
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Required Skills & Experience:
Experience in Credit Risk, Underwriting or Financial Analysis is required. Knowledge of Mortgage products (HPP, Secured Lending and/or Islamic finance). Strong understanding of UK regulatory requirements (FCA, MCOB, AML/CTF). Excellent analytical skills and the ability to interpret both financial and non-financial data. Strong written and verbal communication skills, ability to present clear recommendations. High attention to detail, sound judgement. Commitment to ethical, customer-centric decision-making. Ability to work independently and as part of a collaborative risk team.
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If this sounds like it could be of interest to you, please click Apply - or for more information, contact Terry Wetters (Founder / Director): 07891 708 941 / terry@barleycorn.io
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