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We are the bank for people with purpose. The only bank born from the co-operative movement 145 years ago. We believe in the power of 'we' and putting values and ethics first. We are looking for talented individuals who want to make their next career move in a bank that celebrates co-operative spirit. We put the customer at the heart of everything we do and wholly embrace advocates who truly connect and endorse our brand. And did we mention we are award winning? Year on year award winners for our products, our customer service and our commitment to communities. What's not to love!
We are looking for a Senior Risk Analyst within the mortgage lending stream, to drive our credit risk strategy and provide second line insight into our risk appetite and performance. This is an exciting opportunity to work closely with our key stakeholders, interrogating raw data and identifying emerging issues in order to drive our risk strategies and controls.
You will deliver expert identification of appropriate solutions in order to drive and improve business performance within our award winning, ethically lead bank. If you can bring a credible background in mortgage risk and analytics, with strong SAS, Business Objects or equivalent programming skills, we are offering a brilliant opportunity to showcase your subject matter expertise in a flexible and supportive environment.
Whether you are towards the beginning of your career within financial services or a bit more experienced, this is an outstanding opportunity to gain a high level of exposure in all things impairment and make that next step up in your career in risk.
Support the development of risk appetite limits and risk models through application of key risk drivers
Undertake analysis to support/determine the development of credit risk strategies and controls, to ensure that new lending is originated in accordance with the Credit Risk Principal Risk Policy and risk appetite
Monitor and report on performance against key risk drivers, highlighting variations and recommending actions as appropriate.
Review the effectiveness of credit risk controls and strategies including performance against key risk indicators, benchmarking against other lenders and analysis of actual performance against expectations.
Present to relevant forums the performance of credit risk strategies, emerging trends and issues providing recommendations as appropriate.
Build and maintain internal/external networks, seeking and sharing good practice and knowledge to support continuous improvement.
What are we looking for?
Experience in credit risk management within mortgages and associated analytical techniques and practices
Understanding of customer acquisition and management processes, systems and practice along with numerical, financial and legislative requirements/issues affecting the financial services industry
Good communication skills with the ability to present to key stakeholders
Understanding of credit risk agencies and their data
Ability to analyse and present data and information using industry standard interrogation and statistical packages (SAS, Business Objects, SPSS or equivalent).
What you can expect from us
27 days holiday at start, rising to 30 days
Agile working including opportunity to work from home
Competitive pension / income protection / life assurance
2 paid days for volunteering per year
Positive working environment in contemporary offices centrally located in Manchester
Strong career path within Financial Services
Family friendly policies and supportive working environment
Recognition scheme and a culture in which we celebrate success
Colleague network groups committed to inclusion and diversity within our Bank
Our Bank is committed to continuing to create a diverse workforce and an inclusive environment where all colleagues can fulfil their potential. We welcome applications from talented individuals from all backgrounds and lifestyles who can work with us in maintaining a culture of belonging, where people are valued and respected.
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As a reputable employer regulated by the Financial Conduct Authority, all offers of employment for this role are subject to a series of background checks, including criminal (DBS) and financial checks.