Senior Credit Analyst - Mortgages

Job Details

Job Title
:
Senior Credit Analyst - Mortgages

End Date
:
Saturday 07 March 2026

Salary
: £44,901pa to £54,870pa plus extensive benefits package

Salary Range
: £43,803 - £48,670

Location
:
Leeds, Chester, Birmingham, Halifax, Edinburgh, Newport & Cardiff.

Hours
: 35 hours per week.

Hybrid, 40% (or two days) in any of the above office hubs.

Flexibility in when hours are worked, Hybrid Working, Job Share.

Do you want to be part of the largest transformation in financial services in a generation? Lloyds Banking Group is investing over £2bn pounds in delivering growth over the next 3 years, including considerable investment in our transformation to a data and technology led organisation.

We're the UK’s biggest mortgage provider in the market, lending in excess of £300 billion to help our customers buy homes. Mortgage Credit Risk are responsible for the lending strategy, risk appetite, portfolio insight and performance monitoring of the Retail mortgage portfolio, covering Residential and Buy To Let loans across all brands.

Our team purpose is to deliver responsible and sustainable lending to help customers buy a home. We do this by taking ownership to act, while supporting each other and valuing difference. This is key in Helping Britain Prosper. You will be part of a collaborative team delivering insight through analytics to help manage the risks associated with our mortgage lending. We’re continually using our knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisioning systems.

We oversee key aspects of the portfolio to ensure we’re acting in the best interests of our customers, and we support the business to deliver safe and sustainable growth.

As a senior credit risk analyst on the team, you will use a variety of analytical approaches to provide technical insight on the Mortgage Credit Risk strategies. You will scope, define, and deliver analysis to support the team goals, using SAS or Excel daily to interrogate complex data and translate outputs into meaningful conclusions. You will form relationships with the wider Risk team and 1st line business areas, providing technical leadership and mentoring to junior analysts in the team.

You’ll need to have experience in credit risk and have the analytical skills to deliver insights and proposals to ensure we continue to lend safely. As a senior analyst in the team, junior colleagues will look to you to set a good example in organising your work and continually developing yourself, as well as coaching and supporting others. The list here gives you information about the qualifications, skills and experience we’re looking for.

We don’t expect you to be advanced in them all already; but be prepared to learn on the job and have the motivation to develop.

• Demonstrable experience in credit risk and change management – an understanding of what credit risk is and how we manage it with strategies and scorecards.
• Strong numerate skills and qualifications – a degree (or equivalent) in a numerate subject with knowledge of advanced analytical techniques.
• Analytical expertise – practical experience of using analytical software and coding, such as SAS, and be confident in using Microsoft Office, particularly Excel and PowerPoint.
• Logical and analytical mindset – the ability to work quickly and at a high level of detail and accuracy.
• Effective communicator – ability to explain complicated issues clearly to different audiences; technical, non‑technical, junior colleagues and senior management; both verbally and non‑verbally.

We’re committed to building a workforce which reflects the diversity of the customers and communities we serve. Come and work with us in a supportive and exciting credit risk role. Together we make it possible!
With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us, which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values‑led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.