Credit Officer – Financial Institutions (Banks & Intragroup Sector) in London

We support flexible working – click here for more information on flexible working options.

Flexible Working Options: Hybrid Working, Job Share.

LOCATION: London, Birmingham, Edinburgh

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.

An exciting opportunity has arisen for a Credit Officer to join the Banks team, which forms part of the broader Financial Institutions (FI) Credit Risk team. In FI Credit we are passionate about risk management and dedicated to supporting our business partners in building sustainable and long‑lasting client relationships. We collaborate closely with Coverage and Product teams and view ourselves as business enablers. We are curious and friendly, challenge existing ways of working and seek ways to simplify and automate, so we can focus on what matters.

As a Credit Officer in the FI Credit – Banks team, you will have a primary focus in the Banks sector (including our own intragroup subsidiaries). Initially your responsibilities will include credit analysis and recommendations on lending/trading limits and new transaction requests. Over time, we aim to empower you with delegated credit authority, enabling you to make important decisions on the Banks portfolio. You will also have the opportunity to collaborate on other FI portfolios, such as Insurance, Securitisations, Financial Sponsors and Funds.

Responsibilities

• Cover a portfolio of Global Banks, incorporating a forward view of horizon risks in your credit papers and discussions with partners.
• Support new business origination within the FI growth strategy by assessing and shaping live transactions.
• Conduct client due diligence meetings.
• Proactively contribute to sector strategy and appetite setting, and changes to credit policies and processes.
• Build positive relationships to become a trusted business partner for our Coverage and Product colleagues, and help drive collegiate working across FI Credit.
• Take ownership of data integrity and champion simplification initiatives.

Qualifications and Skills

• A sound understanding of the credit risk assessment of Banks.
• Robust understanding of FI sectors and products, ideally with experience of credit in Banks.
• Excellent knowledge of lending and traded products and documentation.
• Formal Credit training preferred.
• Self‑motivated and a strong willingness to learn – able to quickly up‑skill in relation to new products, sectors and changes in the external environment.
• Strong written and oral communication skills – able to present complexity in an understandable way.
• Comfortable with numerical analysis.
• Exceptional organisational skills with the ability to juggle multiple requests, prioritise workloads and meet deadlines, as well as having the confidence to flag when you might need help.
• Ability to work as a team player in a dynamic and fast‑paced environment, including coordination of multiple work streams and delivery against tight timelines.
• Ability to seek out, build and maintain trusting relationships and partnerships with stakeholders, using influencing and negotiating skills to achieve outcomes.

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 and generous parental leave policies

Inclusion and Equality

Our focus is to ensure we are 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. If you would like reasonable adjustments to our recruitment process, just let us know.