Credit Risk Intern

1 month ago

London, United Kingdom Hampshire Trust Bank Full time

Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions. Our dedicated Asset Finance, Development Finance, Wholesale Finance and Specialist Mortgages divisions ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper.

We also provide savings accounts to individuals and businesses and since we lend only to businesses, our savers can be sure their money will be used to boost the British economy.

The bank is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority.

**Our Values and Behaviour**

All members of the HTB team are expected to demonstrate values and behaviour that underpin everything that we believe in

**Customers matter**
- We listen to our customers
- We value customer relationships over transactions
- We strive to deliver what customers want, when they want it, how they want it
- We prioritise customer outcomes over corporate expediency

**We deliver**
- We approach everything we do with discipline and set high standards
- We do more with less and embrace change
- We are fanatical about financial rigour and risk discipline
- We execute consistently with speed and accuracy
- We constantly strive to improve

**Integrity without compromise**
- We always aim to do the right thing - we don’t duck hard choices
- When we make a mistake we own up and fix it
- We are open and honest in all our communication
- We treat innovation and fresh thinking as an opportunity not a threat

**People Power**
- We are a meritocracy
- We empower people and make them accountable
- We encourage our people to learn and grow
- We challenge each other honestly & constructively
- We work as a team
- We know diversity makes us stronger
- We celebrate success

**Position**:
This is an intern opportunity for an enthusiastic STEM student to work alongside our dynamic Credit Risk Analytics, Risk Reporting, Model Validation and Credit Risk Modelling teams. These are 12 months’ fixed term placements starting in July and August 2024, that would suit a recent graduate or sandwich course student who wants to gain experience of data science in the financial services industry.

Our mission is to use data to drive effective decision-making across the bank, so we are looking for someone with strong analytical skills and a questioning mind. We are organised in small teams where every member of the team has a key role to play and ample opportunity to learn about the different areas of credit risk. We are seeking a good problem solver with a keen interest in analytics who wants to learn about credit risk by getting their hands dirty. A strong desire to learn and improve is more important than previous credit risk experience.

**Requirements**:
**Qualifications/Experience**

***:

- Strong academic background, on track for a good degree in a quantitative discipline
- Exceptional attention to detail, rigour and accuracy
- Proficient using Microsoft Office tools (especially Excel, PowerPoint and Word)
- Excellent analytical abilities, including some experience of any programming language
- Excellent written and presentational skills
- Experience using SAS is desirable. Willingness to learn SAS is essential
- Understanding or experience of credit risk is also desirable though not essential.
- Basic understanding of economics and banking is desirable though not essential.

**Competencies/soft skills**:

- Good planning, organising and interpersonal skills
- Self-aware and resilient
- Willing to learn and develop new skills
- Good communicator with ability to effectively engage with senior management
- A self-starter with a high level of initiative and professionalism A team player willing to go beyond the norm to deliver to exemplary standards

**Other information**:
The Credit Risk Intern will have the opportunity to work on projects with one or more of the following teams:
The Credit Risk Analytics team designs and executes bespoke analyses that enable the bank to use data to answer the important questions about its customers and products. A typical project might be to analyse credit bureau data to identify the customers who are most likely to have payment difficulties in the near future.

The Risk Reporting team produces a number of key datasets and reports that the bank and its regulators and shareholders rely on to understand the bank’s performance. A typical project involves running a monthly report by following the written procedures, identifying opportunities to improve the process and then implementing those improvements.

The Model Validation team ensures that the bank’s models are fit for purpose by critically examining a model’s inputs, design and performance. A typical project might involve examining the quality of data inputs, re-coding some of the key elements of a model, and running sensitivities to ensure th

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