Senior Credit Risk Analyst

Benefits of working at Together

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Free access to company holiday homes
• Buy & sell holidays
• Discretionary annual bonus plus an additional Shared Reward Bonus
• Matched pension contribution
• Health cash plan plus Private medical insurance
• Life assurance and Critical illness cover
• Travel season ticket loans and Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

Company Description 

We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.

We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book. 

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. 

As a Senior Credit Risk Analyst you will: 

• 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 on-going effectiveness of the IFRS 9 model
• Working with stakeholders to analyse  and understand key changes in the portfolio and impact they have had on the provision in the month

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

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 in regards to your suitability for the role.

Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it 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.