Commercial Analyst

• Provide pricing analysis for management
• Develop and refine the pricing models for the Group’s buy-to-let, motor finance, residential mortgage, 2^nd charge residential mortgage, SME lending, development finance and structured lending product offerings
• Calculate the returns for new product proposals prior to submission to the Group’s Asset and Liabilities Committee (ALCO)
• Challenge the assumptions which underpin the pricing by analysing the performance and behaviour of similar historical assets
• Review products underwritten to ensure they are meeting targeted returns
• Provide recommendations on product structure where appropriate to ensure returns are being maximised
• Liaise with front end sales teams within the business to explain the outputs of the models and the assumptions used
• Support the Group’s Idem division on portfolio acquisitions pricing and funding structures
• Update the Group’s income recognition models and Idem EIR Cashflow forecast models at month end
• Update the Group’s IFRS 9 provision models in a timely manner, providing ad-hoc financial analysis as required
• Provide support to Systems and various group businesses on ad-hoc calculations including APR and settlement calculations
• Review system calculations and outputs to ensure regulations are adhered to

Paragon perks

• Generous holiday allowance, with a day off for your birthday!
• Paid community volunteering
• Company-wide, profit-sharing bonus
• Pension plan - we’ll contribute up to 10% of your annual salary
• Life assurance and personal accident cover

Be flexible

We promote flexibility around how and where we work so that you can achieve a healthier work-life balance. We operate hybrid working, splitting our week between the office and home.

Be yourself

We welcome diversity and we care about inclusion. That’s why we want you to be your whole self at work. We believe an inclusive workplace is good for each of us, great for our customers and better for our business. Formed in 2020, our Equality, Diversity and Inclusion Network meets regularly to share challenges, experience and ideas to build a more equal, diverse and inclusive business.

Be heard

We listen to your point of view, with our People Forum and regular employee surveys making sure you can use your voice and influence our future.

Be well

We offer a range of support to help you care for your wellbeing, from our free Employee Assistance Programme to our qualified Wellbeing team who are on hand to connect you with the help you need to get more out of life.

Be better

We want you to reach your potential and, as an Investors in People employer, we’ll encourage you to learn and develop by building a personalised development plan together with your manager.

Be a part of it!

Our employees tell us that the best thing about Paragon is the people! So, if you’re looking for an energetic, friendly team with a great set of values to help you take the next step in your career, apply now and let’s grow together!