Lloyds Banking Group
Senior Credit Analyst
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End Date: Thursday 23 July 2026
Salary Range: £44,901 - £49,890
We support flexible working – click here for more information on flexible working options
Flexible Working Options:
- Hybrid Working
- Job Share
Job Description Summary
Job Title: Senior Credit Analyst
Salary: £44,900 to £54,870 per annum plus an extensive benefits package.
Location: Leeds, Chester, Birmingham, Halifax, Edinburgh, Newport & Cardiff
Hours: 35 hours per week.
Working Pattern: Hybrid, 40% (or two days) in any of the above office hubs.
About Us
Do you want to be part of the largest transformation in financial services in a generation? Lloyds Banking Group is investing over £2bn pounds in delivering growth over the next 3 years, including considerable investment in our transformation to a data and technology led organisation. We're 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.
Our Team Purpose
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.
Your Role
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 a senior credit risk analyst on the team, you will use a variety of analytical approaches to provide technical insight on the Mortgage Credit Risk strategies. You will scope, define, and deliver analysis to support the team goals, using SAS or Excel daily to interrogate complex data and translate outputs into meaningful conclusions. You will form relationships with the wider Risk team and 1st line business areas, providing technical leadership and mentoring to junior analysts in the team.
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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 by 2030, come and join us.
What Are We Looking For?
You’ll need to have experience in credit risk and have the analytical skills to deliver insights and proposals to ensure we continue to lend safely. As a senior analyst in the team, junior colleagues will look to you to set a good example in organising your work and continually developing yourself, as well as coaching and supporting others.
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.
Essentials
- Demonstrable experience in credit risk and change management – an understanding of what credit risk is and how we manage it with strategies and scorecards.
- 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.
- Effective communicator – ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally.
About Working for Us
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we’re committed to creating an environment in which everyone can thrive, learn and develop. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.
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We also offer a wide-ranging benefits package, which includes:
- A generous pension contribution of up to 15%
- An annual performance-related bonus
- Share schemes including free shares
- Benefits you can adapt to your lifestyle, such as discounted shopping
- 28 days’ holiday, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
Join Us
Want to do amazing work that’s meaningful and impacts millions of customers? Join us. 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 keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
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.
With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers. Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.
Should you wish to contact us for any reason, please email us at: careers@lloydsbanking.com
For more Flexible Working Options please use the free text search, e.g. job sharing, variable hours, to identify relevant matches.
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