Senior Credit Risk Analyst

Senior Credit Risk Analyst

Do you want to be part of a force for good, helping to make life better for customers & society in the moments that matter? At Hodge, we put people at the heart of our business and that means our customers, colleagues and communities. Hodge is a Welsh financial service provider that focus on commercial lending, and specialist residential mortgage markets. The company is unique in that it is 79% owned by the Hodge Foundation, a charity established in 1962 that awards grants to registered charities and is funded by the profits from Hodge. The purpose of this role is to ensure that our customers are provided the high level of service which Hodge is known for and is a key element of our DNA and offering.

We are seeking an experienced analyst to support first line risk across the Mortgages department.

The role holder will be responsible for a full range of activities including monitoring of the mortgage portfolio from a credit risk and property perspective.

Key Responsibilities

• Develop a suite of MI to monitor all risks across the Hodge mortgage portfolio
• Providing oversight to the underwriting function
• To support delivering strategic analysis on the mortgage portfolio
• To collate, clean and summarise customer data and customer performance data from appropriate sources, ensuring accurate information is supplied to the business
• To deliver regular insight into portfolio health, highlighting potential risks and threats, and proposing appropriate mitigating actions.
• Produce trend information on a periodic basis that supports the decision-making process for Mortgages with regards to credit policy, and product development strategies.
• Work closely with the change teams to ensure that the correct data is being captured in the system to support any credit monitoring.
• Support the product team from a credit risk perspective when it comes to developing new products
• Support the risk culture of the organisation by taking personal responsibility for identifying and managing risks in everything you do.
• To keep abreast of external economic and market conditions that could impact the Hodge portfolio
• Knowledge of the regulatory framework and how ensuring our policies and processes are compliant with regulations

What we need from you:

• Excellent analytical skills
• Experience of using software tools such as SAS, Python, R, SQL (list not exclusive) to extract and manipulate large and complex data from a data warehouse
• Proficient user of Microsoft office
• Strong academic background. Numerical based degree preferred.
• Strong attention to detail and excellent problem solving skills
• Experience in Credit Risk, mortgage background preferred

At Hodge we operate a hybrid working policy where our colleagues work at least 40% of their time in the office, anyone on a remote contract we require to come into the office once a month.

In return we offer:

• Based in Cardiff City Centre operating in a highly flexible Hybrid workspace.
• 28 days Holiday with the option to buy more.
• Private Medical & Health Insurance
• Company pension contribution up to 15%
• Subsidised Gym Membership.
• Extensive learning and development programme

• Generous, personalised benefits package
• 4 days on top of annual leave for community and charity work
• Flexible working options

Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete background checks to assess suitability for employment, these include; a criminal record, identity, sanctions, adverse finance, fraud prevention and reference checks to comply with our regulatory requirements.

Hodge is an advocate of being an equal opportunities employer, We believe in promoting equality and diversity which is central to our lives today. We welcome applications from all sections of the community and recognises the value a diverse workforce brings to an organisation.

ESG and sustainability are at the heart of everything we do and serves as a reminder of the responsibility we have to our stakeholders, customers, colleagues and the communities we operate in to use our position wisely. We’re currently exploring different certifications available and have done an initial review of how we think we’d fare, as we see this as a real opportunity for Hodge given our social purpose.