Credit Risk Assurance Specialist

21 hours ago

Wrexham, United Kingdom Chetwood Bank Full time

We’re a UK-based digital bank dedicated to getting the basics right and offering straightforward savings and mortgagesAs a Credit Risk Analyst you will lead and manage second line quality assurance (QA) reviews across the Bank’s mortgage portfolio, including organic lending brands and forward flow partners. The role will span multiple asset classes such as Buy to Let (BTL), Bridging, and Residential lending. You will also provide subject matter expertise (SME) on lending criteria, policy development, and support new strategic initiatives.Key role responsibilities:• Conduct second line QA reviews of mortgage underwriting decisions across all secured lending channels.• Provide SME input on lending criteria, policy changes, and new product development (e.g., Bridging and Residential).• Collaborate with internal stakeholders to ensure QA findings are actioned and embedded into operational practices.• Support MI production and development of MI processes, working closely with team members to reduce single-person dependencies.• Contribute to the continuous improvement of credit risk oversight and governance frameworks.Skills, Knowledge & Expertise:• Minimum 5 years’ experience in mortgage underwriting with a lending mandate.• Strong understanding of secured lending across BTL, Bridging, and Residential asset classes.• Experience in quality assurance processes, ideally including oversight of third-party providers (e.g., valuation panel managers).• Analytical mindset with proven ability to interpret data and produce meaningful insights.• Excellent communication and stakeholder management skills.• Ability to work independently and collaboratively within a small, agile team.Job Benefits:Competitive salary25 days holiday PLUS your BIRTHDAY offPension contribution with Royal LondonLife AssurancePrivate medical, dental and optical health insurance with AxaHybrid working – WrexhamFree breakfast availableData ProtectionWe anticipate that we will retain your data as part of the recruitment process for no longer than is necessary for the purpose for which it was collected unless we have sought your consent to keep your data for future suitable job vacancies.CifasThe personal information we have collected from you will be shared with Cifas who will use it to prevent fraud, other unlawful or dishonest conduct, malpractice, and other seriously improper conduct. If any of these are detected you could be refused certain services or employment. Your personal information will also be used to verify your identity. Further details of how your information will be used by us and Cifas, and your data protection rights, can be found by [https://www.cifas.org.uk/fpn].Chetwood Bank does not accept speculative or unsolicited CVs from Recruitment Agencies. Any unsolicited CVs received will be treated as the property of Chetwood Bank and Terms & Conditions associated with the use of such CVs will be considered null and void.

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