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Credit Risk Analyst

Nottingham Permanent £40,000 - £45,000 per year View Job Description
The Credit Risk Analyst will be responsible for providing high quality credit risk analysis and insight, supporting effective risk management and informed decision making. The role combines credit modelling, portfolio analytics, MI development, and regulatory impairment work, with a strong focus on using data to identify trends, risks, and opportunities within the lending book.
  • Work in a stable, purpose‑driven mutual organisation.
  • Ownership of credit models, portfolio analytics and IFRS 9.

About Our Client

An established UK mutual financial institution specialising in residential and buy‑to‑let mortgage lending, funded through retail savings rather than shareholders. The organisation is known for its relationship led underwriting approach, focus on complex borrower needs, and strong commitment to prudent risk management, professional development and long term stability.

Job Description

  • Develop, maintain, and enhance a range of credit risk models, including internal scorecards.
  • Design and produce new management information and reporting to support business and risk requirements.
  • Deliver clear, meaningful MI to senior stakeholders.
  • Perform regular portfolio reviews across the core business and subsidiary lending activities, undertaking detailed deep dives to analyse borrower behaviour and emerging trends.
  • Carry out broader data analysis to support lending strategy, risk appetite, and overall portfolio profitability.
  • Take ownership of the Group's IFRS 9 impairment model, ensuring ongoing accuracy and regulatory compliance.
  • Use data and analytics to identify future risk trends and potential growth opportunities within the customer base.
  • Respond to ad‑hoc requests, investigating specific risk issues and providing insight to support business decisions.

The Successful Applicant

A successful Credit Risk Analyst should have:

  • At least 2 years of experience working in a credit risk role, ideally within financial services.
  • Solid understanding of the credit lifecycle, credit risk concepts, exposure measurement, and regulatory frameworks.
  • Proven capability in building financial models from scratch.
  • Advanced Excel knowledge.
  • Comfortable handling large and complex data sets.
  • Working knowledge of credit systems, lending data, and risk MI.
  • Understanding of Credit Reference Agency data and its practical application.
  • Experience using data and visualisation tools such as Power BI, Tableau, or Power Query.

What's on Offer

  • A competitive salary ranging from £40,000 to £45,000 per annum.
  • Hybrid working.
  • Opportunities to work in a well connected location near Nottingham.
  • Professional development and career growth.
  • A supportive and collaborative work environment.



If you are a motivated Credit Risk Analyst looking for your next challenge in the financial services industry, we encourage you to apply for this exciting opportunity.

Contact
Nic Thompson
Quote job ref
JN-052026-7014317
Phone number
+44 2072692136

Job summary

Job function
Banking & Financial Services
Subsector
Credit Analysis & Research
Sector
Financial Services
Location
Nottingham
Contract type
Permanent
Consultant name
Nic Thompson
Consultant phone
+44 2072692136
Job reference
JN-052026-7014317