At a Glance
- Tasks: Conduct credit analysis and make informed lending recommendations for the Insurance sector.
- Company: Join a dynamic team in a leading financial institution with a collaborative culture.
- Benefits: Generous pension, performance bonuses, flexible working, and 30 days' holiday.
- Other info: Opportunities for professional growth and support for diverse needs.
- Why this job: Make a real impact in risk management while building lasting client relationships.
- Qualifications: Degree in Finance or related field; strong understanding of Insurance business models.
Salary: £78,372 - £87,080
Location: Birmingham, Bristol and Leeds
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.
What You'll Be Doing
We are currently seeking a dynamic and enthusiastic individual to join our Insurance team as a Credit Officer. This role involves conducting comprehensive credit analysis and making well‑informed recommendations on lending, trading limits, and internal ratings for our Insurance client base.
FI Credit is an exciting place to work. We are curious, friendly, and challenge existing ways of working to simplify and automate, allowing us to focus on what matters. We collaborate closely with Coverage and Product teams and view ourselves as business enablers. We are passionate about risk management and dedicated to supporting our business partners in building sustainable and long‑lasting client relationships.
Responsibilities
- Insurance, you'll have a primary focus in the Insurance sector (Brokers, Life insurance, Non‑life insurance, Lloyd's of London). Your responsibilities will include independent credit analysis, recommendations on lending, trading limits and internal ratings, alongside ongoing portfolio management and risk oversight across the Insurance sector.
- The person in this role will be encouraged to develop towards exercising delegated credit authority, making independent credit decisions within the relevant approval mandate.
- Lead a portfolio of Insurance clients, incorporating forward‑looking assessment of sector, market and idiosyncratic risks into credit decisions, portfolio monitoring and stakeholder discussions.
- Proactively contribute to sector strategy and appetite, credit policies and processes for your own and the wider sector portfolio.
- Build positive relationships to become a trusted business partner for our well‑regarded Coverage and Product colleagues and help drive collegiate working across FI Credit.
- Take ownership of data integrity and champion simplification initiatives.
- Build and maintain a strong understanding of both market and counterparty risk dynamics associated with traded products, including derivatives and securities financing transactions, and their impact on credit exposure.
- Monitor portfolio risks, concentrations and emerging sector developments, calling out material risks and recommending appropriate risk mitigation actions where required.
- Support the development of junior team members and contribute to maintaining consistent underwriting standards and risk rigor across the team.
Qualifications
- Strong understanding of Insurance business models, regulatory environment, capital frameworks and key risk drivers.
- Robust understanding of financial and non‑financial analysis of Insurance firms.
- Formal Credit and Insurance sector training preferred.
- Excellent credit writing skills, with the ability to present complex risks and recommendations in a clear and concise manner.
- Strong understanding of traded products, their market risk calculations, the variable dynamics impacting exposure, associated documentation and appropriate exposure mitigation.
- Sound understanding of banking products extended to insurance firms and their credit risk assessment.
- Self‑motivation with a strong willingness to learn.
- Able to quickly up‑skill in relation to new products, sectors and changes in the external environment.
- Effective oral communication skills, with the ability to present complexity in an understandable way.
- Degree in Finance, Economics, Mathematics, Accounting or a related discipline; professional qualifications (CFA, ACA, ACCA, FRM) are advantageous.
Benefits
- 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, 30 days' holiday, with bank holidays on top
- A range of wellbeing initiatives
- Generous parental leave policies
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long‑term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers.
Apply today.
Jobs are provided by the Find a Job Service from the Department for Work and Pensions (DWP).
Credit Officer, FI Credit in Birmingham employer: Career Choices Dewis Gyrfa Ltd
Career Choices Dewis Gyrfa Ltd is an exceptional employer that champions innovation and strategic growth within a collaborative environment. Employees benefit from a strong focus on professional development, competitive remuneration, and the opportunity to make a significant impact in the European market. With a commitment to fostering high-value partnerships, this role offers a unique chance to thrive in a dynamic and supportive workplace.
Contact Details:
Career Choices Dewis Gyrfa Ltd Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer, FI Credit in Birmingham
✨Tap into Campus Networks
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Don’t shy away from reaching out directly to firms like Career Choices Dewis Gyrfa Ltd. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Officer, FI Credit in Birmingham
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
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How to prepare for a job interview at Career Choices Dewis Gyrfa Ltd
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Career Choices Dewis Gyrfa Ltd.
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Since this is a full-time position, employers at Career Choices Dewis Gyrfa Ltd will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Career Choices Dewis Gyrfa Ltd employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
