Senior Credit Risk Analyst

The Opportunity

We’re changing the mortgage market for the better, helping more people with flexible and competitive products. We're transforming how we do business and are looking for someone to help shape our digital future.

Our success would not have been possible without our Team. Our people differentiate us from the competition through their deep sector knowledge, they are the life force of our business.

TML is a specialist intermediary-only mortgage lender that provides products and criteria that meet the needs of borrowers who are not served by the high street.

The Role & Responsibilities

• A valuable member of the Credit Risk Team. Candidate will be a dedicated and key data analytics resource to support the team to proactively review loan cohorts whilst maintaining TML risk principles within an ambitious and growing mortgage lender
• The role will involve evaluating loan pool trends and strategy to optimise lending and manage credit risk appetite. Responsible for portfolio reviews to identify risk developments or concentrations and exercise judgment to escalate key triggers decisions of heightened-risk positions to key stakeholders, as needed
• A key support in enhancing to our credit risk monitoring capabilities to ensure our credit strategy is performing within expectations and assist with relevant and ad-hoc data analytics requests to Credit Risk insights, ensuring robust data backed perceptions are feed into key stakeholders with accuracy. Sharp analytical skills will allow for accurate and meaningful committee reporting and support deep dives into specific customer behaviours and markets trend analysis as the landscape evolves
• To support TMLs growing demands for development, enhancement and maintaining of credit risk portfolio analytics and reporting functions
• Develop and improve risk strategy analytics across both residential and BTL asset classes
• Develop a good understanding of the business risk strategies across the multiple products and loan pools
• Provide analytical support for strategic changes to back book approaches
• Assist in impact assessment of market changes, business strategies and implications for the business
• Identify opportunities to automate, eliminate and streamline in approaches
• Work in collaboration with internal and external parties
• Produce accurate and timely cyclical and ad-hoc reporting for wider committee discussions
• Support necessary changes to ensure ongoing regulatory compliance where necessary

The Person

• Strong work experience in a Credit Risk / MI Analytics / Decision Science field and experience building Credit Risk MI or similar role
• A proficient user of SQL and SAS programming skills including Macros
• Excellent verbal and written communication skills with ability to summarised findings of analysis to non-technical audiences
• A high tolerance for ambiguity and frequently changing priorities with a genuine can-do attitude whilst working under pressure and to deadlines
• Good understanding of credit risk concepts for property finance
• Highly numerate with a track record in data driven analysis
• Proficient with MS Office applications, an understanding of how spreadsheets and data packages can be used to analyse numerical data
• Strong quantitate & analytical background
• Experience in building and implementing credit risk strategies
• Accuracy & attention to detail
• Excellent planning and organisational skills
• Ability to establish effective working relationships with colleagues of all levels
• Ability to work under pressure and to strict deadlines
• Highly knowledgeable with Microsoft Excel and PowerPoint to enable delivery of internal and external reviews of data, production of reports with matrix and graphical content
• Strong focus on treating customers fairly

Reward

Your Wellbeing – we take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include

• Marketing leading family friendly family policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) – offers in you support on a wide range of subject including financial concerns, mental wellbeing and more general queries around family, work, housing and health
• Cycle to work scheme
• Contributory pension scheme & death in Service

Your lifestyle – it is important that you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 25 days holiday per year
• Option to buy or sell holidays through our flexi-holiday scheme
• Health cashback plan through BHSF
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your contribution – We’re focused on rewarding those that go the extra mile in helping us achieve our goals

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Wobblers recognition scheme focused on recognising out role models and thanking out colleagues for a job well done