At a Glance
- Tasks: Manage credit risk for securitised products and provide insightful analysis.
- Company: Join a leading financial institution with a collaborative culture.
- Benefits: Generous pension, performance bonuses, flexible working, and 30 days holiday.
- Other info: Dynamic team environment with opportunities for growth and learning.
- Why this job: Make an impact in the finance world while developing your skills.
- Qualifications: Understanding of securitised products and strong credit analysis skills.
An exciting opportunity has arisen for a Credit Officer to join the Securitisation team, which forms part of the broader Financial Institutions ("FI") Credit Risk team. In Credit Risk we support our business partners in achieving their goals, whilst managing credit risk and protecting the bank from any losses. In the broader FI Credit team, we work with clients ranging from insurance companies to banks, pension funds and governments.
In this role, your focus will be supporting the Securitised Products Group. You will manage a portfolio of counterparties and provide insightful, high‑quality analysis, advice and guidance in a specific area of credit risk. You will prepare new business and annual credit reviews and present these submissions to sanctioning officials for approval. You’ll also get the opportunity to lead credit due diligence calls with clients, shape deal structures and inform credit risk appetite. We are a small team with a motivating and collaborative culture. With a healthy growth agenda for the FI portfolio, this role will provide opportunities for new business, learning and development and general variety in your workload. Attention to detail is a key skill needed to excel; any training gaps will be supported by the current team.
So who are you?
- A robust understanding of Securitised Products structures (ABS, RMBS, etc.) and related credit risk drivers.
- Sound knowledge of rating agency methodologies and their application in transactions.
- Proficiency in credit analysis including cash flow modelling, stress testing, and scenario analysis.
- Prior experience at a Bank and/or Rating agency desired.
- Awareness of macroeconomic factors impacting asset performance and credit risk.
- A sound understanding of the credit risk assessment of Financial Institutions or Large Corporate clients.
- Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines, and flag when help is needed.
- Strong communication skills, both written and verbal.
- A committed team player with the ability to build and manage positive internal colleague relationships outside of the team.
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
Credit Officer - Securitisation - Financial Institutions in Edinburgh employer: Lloyds Banking Group
Join a dynamic and collaborative team as a Credit Officer in Securitisation, where you will have the opportunity to work with renowned clients while managing credit risk in a supportive environment. With flexible working options, generous benefits including a pension contribution of up to 15%, and a strong focus on employee growth and wellbeing, this role offers a rewarding career path in vibrant locations such as Birmingham, Leeds, Edinburgh, or London. Embrace the chance to develop your skills in a motivating culture that values teamwork and innovation.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer - Securitisation - Financial Institutions in Edinburgh
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance sector, especially those who work with securitisation. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of Securitised Products and credit risk assessment. We recommend practising common interview questions and scenarios related to the role to show you’re ready to hit the ground running.
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email to express your appreciation and reiterate your interest in the position. It keeps you fresh in their minds!
✨Tip Number 4
Apply through our website for the best chance at landing that Credit Officer role. We’ve got all the resources you need to make your application stand out, so don’t miss out!
We think you need these skills to ace Credit Officer - Securitisation - Financial Institutions in Edinburgh
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Officer role. Highlight your experience with Securitised Products and credit risk analysis. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background makes you a perfect fit. We love seeing genuine enthusiasm!
Showcase Your Skills:Don’t forget to showcase your analytical skills and attention to detail in your application. Mention specific examples of how you've successfully managed credit risk or worked with financial institutions in the past.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Securitised Products
Make sure you brush up on your knowledge of securitised products like ABS and RMBS. Be ready to discuss how these structures work and the credit risk drivers associated with them. This will show that you’re not just familiar with the terminology but can also apply it in real-world scenarios.
✨Master Credit Analysis Techniques
Get comfortable with credit analysis methods, including cash flow modelling and stress testing. Prepare to explain how you would approach a credit review or due diligence call. Being able to articulate your thought process will impress the interviewers and demonstrate your analytical skills.
✨Stay Updated on Macroeconomic Factors
Familiarise yourself with current macroeconomic trends and how they impact asset performance and credit risk. Bring examples to the table during your interview to showcase your understanding of the broader financial landscape and its implications for the role.
✨Showcase Your Team Player Skills
Since this role involves collaboration, be prepared to discuss your experience working in teams. Highlight instances where you’ve built positive relationships with colleagues and how you’ve contributed to a motivating team culture. This will help convey that you’re a good fit for their collaborative environment.
