Glasgow / hybrid (3 days in office per week)
Responsibilities
* Ensure lending criteria are accurately reflected in underwriting processes and automated decisioning rules, and communicate changes clearly to proposition, underwriting, and operations teams.
* Review and analyse completed loans in arrears within LiveMore’s live portfolio, provide direction to servicing teams, and ensure relevant learnings are incorporated into the underwriting process where applicable.
* Support the development and periodic review of credit risk policies, lending criteria, and funding-related risk requirements.
* Monitor new business pipeline performance through regular MI and interaction with the sales team and identify emerging risk trends, conversion issues and opportunities and feed recommendations back to proposition and underwriting teams.
* Conduct detailed reviews of individual underwriting decisions to test consistency of policy application, identify judgement trends, and recommend improvements to credit controls.
* Act as the first point of contact for applications outside normal lending criteria, undertake risk-based assessments, and prepare recommendations for decision-makers.
* Prepare regular portfolio, policy exception, and risk trend reporting, and present clear insights and recommendations to senior management and relevant governance forums.
* Support the development and refinement of automated decisioning, risk rules, and analytics using appropriate data, modelling, and technology tools.
* Provide analysis and recommendations to support decisions on risk appetite, lending criteria, and controlled enhancements to lending policy.
* Provide guidance to junior colleagues and business teams on credit policy application, risk issues, and exception themes.
* Develop and maintain regular stress tests for LiveMore’s lending portfolio using a library of what-if scenarios.
Requirements
* Sound knowledge of mortgage products, underwriting processes, and regulatory frameworks in the UK.
* Proven experience in credit risk within the UK mortgages sector (at least 5 years demonstrable experience in a credit role).
* Strong analytical and quantitative skills, including experience with portfolio analysis, trend reporting, and risk modelling using relevant data and reporting tools.
* Excellent communication and presentation skills, with the ability to produce high-quality MI and explain complex credit issues to underwriting teams, proposition colleagues, and senior stakeholders.
* Ability to work collaboratively in a cross-functional team environment.
* Attention to detail and strong organisational skills.
* Commitment to continuous improvement and professional development within the risk management field.
Benefits
* Growth shares.
* Annual performance bonus (cash and growth shares).
* Hybrid working (3 days per week in office).
* Employer pension contribution.
* Salary-sacrifice pension scheme, saving marginal rate on contributions.
* Salary-sacrifice nursery voucher scheme.
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