Audit Analyst - Credit Risk - #1791803

JOB TITLE: Audit Analyst - Credit Risk

SALARY: £47,790 - £53,100

LOCATION: Edinburgh and Bristol

HOURS: Full time

WORKING PATTERN: Our work style is hybrid, which involves spending at least

two days per week, or 40% of our time, at one of our office sites

About this opportunity

As an Audit Analyst, you'll support in the delivery of high-quality audits with a focus on Commercial Credit Risk and other Commercial Banking activities. You will own the design and operational evaluation and testing of key controls. Apply proficient knowledge and application of audit methodology in your assigned risk areas.

You'll act as a proactive team member, with a growth mindset, positively contributing to the overall effectiveness and efficiency of the audit. Contributing to the ongoing development and improvement of GA&CI through a strategic and integrated audit focus, collaboration and agile delivery methods.

Day to day, you will

• Contribute to the audit plan, delivering specified outcomes and providing support by working as directed within the Audit Team.

• Support control testing and identify areas of concern, clearly articulating your findings and the potential impacts.

• Conduct research considering multiple perspectives and bring the outside in to enable analysis of key themes and external trends.

• Suggest improvements in current compliance processes by being bold.

• Proactively identify and drive personal development opportunities and create a positive learning culture based on effective coaching.

• Freely sharing insight and timely, direct, effective feedback that contributes to the success of the delivery plan and leaves a positive, sustainable impact on the function.

Why Lloyds Banking Group

Like the modern Britain we serve, we're evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We're growing with purpose. Join us on our journey and you will too!

What you'll need:

• The ability to lead and taking ownership for delivery, championing both your own and colleagues' growth and development.

• The ability to deliver risk and control assurance activity that is timely and impactful.

• The ability to understand and interpret Group and Business Unit Strategy and connect audit delivery and business monitoring insights to such strategies at the Macro level.

• The ability to analyse, understand and communicate data as information, and to use data to drive effective audit outcomes.

Additional Capabilities You'll Need

A solid understanding of the Credit Risk lifecycle in the context of Commercial Lending, including best practices in control and risk management. Ideally, this includes

• Credit assessment with the ability to interpret financial accounts and identify key risk indicators

• Credit monitoring, including how to detect signs of financial difficulty in customers and how to support them effectively

• A basic understanding of concepts such as Expected Credit Losses (ECL) and Impairments

And any experience of these would be useful:

• Knowledge of data analytics tools such as Power BI, Python or SQL

About working for us

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative. And it's why we especially welcome applications from under-represented groups. We're disability confident. So, if you'd like reasonable adjustments to be made to our recruitment processes, just let us know

We also offer a wide-ranging benefits package, which includes:

* A generous pension contribution of up to 15%

* An annual performance-related bonus

* Share schemes including free shares

* Benefits you can adapt to your lifestyle, such as discounted shopping

* 28 days' holiday, with bank holidays on top

* A range of wellbeing initiatives and generous parental leave policies

If you're excited by the thought of becoming part of our team, get in touch. We'd love to hear from you!