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 real estate finance, and specialist residential mortgage markets.

The Risk Analyst supports the risk management of the bank’s property interests and the understanding of credit and property related matters to the teams which deal with mortgage origination, management of the portfolio and disposal of properties.

The Risk Analyst will help deliver low effort customer experiences and play a key role in ensuring that by design, our processes create low effort. Required to be a role model and mentor to our teams, taking on queries where necessary and providing coaching and feedback to colleagues to ensure that they can handle their tasks in the future. Working closely with the Credit Risk Analyst and Senior Credit Risk Manager to support the risk management of property interests.

Starting salary for the role is £30,000 raising to £32,000 after probation.

Essential Experience

Experience of using software tools such as SAS, Python, SQL (list not exclusive) to extract and manipulate data from a data warehouse.

Key responsibilities will include:

Play an active role in supporting the Senior Credit Risk Manager in shaping and achieving the property monitoring policy and property and credit related polices relating to origination, underwriting and portfolio management.
Carry out risk monitoring work including valuation audits and work with the support of the Senior Credit Risk Manager to ensure that all deadlines and SLA’s are met.
Produce MI that supports the decision-making process for Mortgages with regards to property policy, and product development strategies.
To deliver regular insight into portfolio health, highlighting potential risks and threats, and proposing appropriate mitigating actions.
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 business.
To collate, clean and summarise customer data and customer performance data from appropriate sources, ensuring accurate information is supplied to the business.
Develop a strong understanding of the regulatory framework and ensuring policies and processes are compliant with regulations
Support the preparation of the presentations to Retail Risk committee.
Communicate complex analyses, insights, and proposals clearly and effectively to both technical and non-technical stakeholders.
Develop expertise within the risk department to become a Subject matter expert.
Support and guide underwriting decisions
Constantly learning and refreshing knowledge of our product range as part of our Training and Competency scheme. Working with Credit Risk Analyst, Senior Credit Risk Manager, and the product team to improve own skills and knowledge. Work to understand how to support teams to embed any training delivered.
Learn and develop the knowledge of property related matters and keep abreast of legislative changes and markets.
Ad-hoc Projects as required.

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.

Apply today to become part of Hodge’s mission to make life better for customers and society in the moments that matter.

Hodge

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Risk Analyst