Company Description
Read the overview of this opportunity to understand what skills, including and relevant soft skills and software package proficiencies, are required.
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.
Job Description
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
Qualifications
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
Additional Information
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.
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