Credit Officer - Securitisation - Financial Institutions in London

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're here to 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, to pension funds and governments.

In this role, your focus will be supporting the Securitised Products Group. You’ll manage a portfolio of counterparties, and provide insightful, high‑quality analysis, advice and guidance in a specific area of credit risk, executing control tailored to senior stakeholder needs. 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're a small team with a motivating and collaborative culture, so everyone who joins is vital. With a healthy growth agenda for the FI portfolio, this role will provide lots of opportunity for new business, learning and development, and general variety in your workload. Attention to detail is a key skill needed to excel in this role, but any training gaps will be provided with the full support and guidance of the current team. Our goal is for the new credit officer hire to become an active and valuable member of our team and the wider FI Credit team.

Working arrangements:

• Job Share
• Flexibility in when hours are worked
• Hybrid Working

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, as well as having the confidence to flag when you might need help.
• 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 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

Our focus is to ensure we're 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’d like reasonable adjustments to our recruitment process, just let us know. Join us and grow with purpose!