Would you like an exciting career in Credit Risk? Do you want to join a rapidly growing game changing bank? Are you a highly numerate person who wants to use your skills to help grow an exciting business? If yes, then we may have the role for you.
Metro Bank is committed to making a difference and delivering a different type of banking for Britain. Our inclusive culture helps us welcome and develop fantastic people and encourages our colleagues to bring the best they have when helping our customers and supporting each other at work.
Mortgages are critical to realising our strategic priorities and we have ambitious plans to grow the mortgage portfolio into new and specialist markets, and during the cost of living crisis understanding how our customers are impacted and how that will feed through into mortgage arrears has never been more critical.
As a credit risk analyst you will have the opportunity to work across multiple mortgage risk related projects and work streams including setting risk appetite, supporting mortgage growth, setting mortgage policy and criteria, optimising credit risk models within the business, creating and maintaining analytics and MI. You will do this by analysing data to understand past performance and use this data to feed into key business decisions. We carry out data analytics using the analytical platform SAS coding in both SAS and SQL languages which will be taught to you if you don't already know them.
The team are fast-paced, friendly and agile and to central activities across the bank giving you the opportunity to get involved in a range of projects and work with a broad network of people.
Depending on the team, most of our roles offer flexible working.
So what would you be doing?...
• Analyse the Mortgage portfolio by using a range of tools such as SAS, SQL and Excel
• Analyse the mortgage market to identify potential arears of growth for Metro bank.
• Support the modelling teams in their development of regulated capital and impairment models by providing data insight
• Running, producing and reporting important regular MI to the business
• Automating the customer journey through new technology
• Working closely with the mortgage products team in order to develop new lending strategies by analysing the performance of existing mortgages
• Analyse existing strategies such as optimising who we accept for Mortgages and how much we can lend while maintaining within the Banks Risk Appetite
• Creating and maintain relationships with a wide range of stakeholders
You need to be this kind of person
•Passionate about providing unparalleled levels of service and convenience for customers
•Prepared to stick at something - we get nervous if someone has jumped from job to job as we want people who are prepared to learn and grow
•Able to work and learn quickly in a fast paced, fun and dynamic environment
•Care about doing a great job and exceeding expectations with the quality of what you do
And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the courage to call out any concerns.
We always support colleagues to develop their skills. But to be successful in this job you really do need to already be able to do most of these wonderful things
•Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• Be a highly numerate person with a keen interest in data analysis and great attention to detail
• Be willing to learn technical aspects of analysis such a coding in SAS and reporting using Microsoft Excel, PowerPoint
• Although not essential, some knowledge of mortgages as well as an understanding of Credit Risk or a similar discipline would be great
• Ability to work through business problems and have problem solving skills
This role is regulated by the Financial Conduct Authority (FCA) under the Senior Managers and Certification Regime. This means that If you are successful in your application, we are required to carry out additional checks that will be repeated annually while you are in this role. For more information you can visit the FCA website or ask your recruiter who can explain further.
IMPORTANT FOOTNOTE; Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that 'normal' office hours aren't always doable, and while we can't accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren't sure if you are 100% there yet why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!