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 Gresham employer: Lloyds Banking Group
Join a dynamic and collaborative team as a Credit Officer in the Securitisation sector, where you will have the opportunity to work with renowned clients while enjoying a flexible hybrid working model. Our commitment to employee growth is evident through comprehensive training support, a generous pension contribution of up to 15%, and a robust annual performance-related bonus, all within a culture that values wellbeing and work-life balance. With 30 days of holiday plus bank holidays, and a variety of lifestyle benefits, this role offers a rewarding environment for those looking to make a meaningful impact in the financial sector.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer - Securitisation - Financial Institutions in Gresham
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, join relevant online forums, and don’t be shy about reaching out on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that dream job.
✨Ace the Interview
Prepare for your interviews by researching the company and the role inside out. We recommend practising common interview questions and even doing mock interviews with friends. Show them your passion for the role and how your skills align with their needs!
✨Follow Up
After your interview, don’t forget to send a thank-you email! It’s a great way to express your appreciation and reiterate your interest in the position. We believe this small gesture can make a big difference in keeping you top of mind.
✨Apply Through Our Website
When you find a role that excites you, apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we’re always looking for passionate individuals to join our team, so don’t hesitate!
We think you need these skills to ace Credit Officer - Securitisation - Financial Institutions in Gresham
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 great 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 your work with cash flow modelling or stress testing, as these are key for us.
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 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’ve used these techniques in past roles. Being able to demonstrate your analytical skills will set you apart from other candidates.
✨Showcase Your Communication Skills
Since this role involves presenting submissions and leading due diligence calls, practice articulating your thoughts clearly and confidently. Consider doing mock interviews with a friend or colleague to refine your verbal communication skills.
✨Demonstrate Team Spirit
Highlight your ability to work collaboratively within a team. Share examples of how you’ve built positive relationships with colleagues in previous roles. This will resonate well, as the company values a motivating and collaborative culture.
