At a Glance
- Tasks: Manage a portfolio of counterparties and deliver high-quality credit risk analysis.
- Company: Join a leading financial institution with a focus on innovation and teamwork.
- Benefits: Generous pension, performance bonuses, share schemes, and 30 days holiday.
- Other info: Hybrid working model with excellent wellbeing initiatives and career growth opportunities.
- Why this job: Make an impact in the securitisation space while developing your career.
- Qualifications: Understanding of securitised products and strong credit analysis skills required.
The predicted salary is between 55000 - 65000 £ per year.
An exciting opportunity has arisen for a Credit Officer to join the Securitisation team within the broader Financial Institutions Credit Risk team. You will support the Securitised Products Group by managing a portfolio of counterparties and delivering high‑quality analysis, advice and guidance on specific areas of credit risk. Your work will involve preparing new business and annual credit reviews, presenting these submissions to sanctioning officials for approval, leading credit due diligence calls with clients, shaping deal structures and informing credit risk appetite.
Qualifications
- A robust understanding of securitised product 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 or rating agency preferred.
- Awareness of macroeconomic factors impacting asset performance and credit risk.
- A sound understanding of credit risk assessment for financial institutions or large corporate clients.
- Exceptional organisational skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines and flag when assistance is needed.
- Strong written and verbal communication skills.
- A committed team player who can build and manage positive internal relationships outside of the team.
Benefits
- Generous pension contribution of up to 15 %.
- 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.
- Range of wellbeing initiatives and generous parental leave policies.
Securitisation Credit Officer - FI (Hybrid) employer: Lloyds Banking Group
Join a dynamic and supportive work environment as a Securitisation Credit Officer, where your expertise in credit risk will be valued and nurtured. With a generous benefits package including a substantial pension contribution, performance-related bonuses, and a focus on employee wellbeing, you will thrive in a culture that prioritises growth and collaboration. Located in vibrant cities like Birmingham, Leeds, Edinburgh, or London, this role offers the unique advantage of a hybrid working model, allowing for a balanced professional and personal life.
StudySmarter Expert Advice🤫
We think this is how you could land Securitisation Credit Officer - FI (Hybrid)
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those who work in securitisation or credit risk. A friendly chat can lead to valuable insights and even job leads.
✨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 credit analysis 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 role. It keeps you fresh in their minds!
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team at StudySmarter.
We think you need these skills to ace Securitisation Credit Officer - FI (Hybrid)
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Securitisation Credit Officer role. Highlight your experience with securitised products and credit risk analysis, as this will show us you understand what we're looking for.
Craft a Compelling Cover Letter:Your cover letter should tell us why you're the perfect fit for our team. Share specific examples of your past work in credit analysis and how it relates to the role. We love seeing your personality shine through!
Showcase Your Skills:Don’t forget to highlight your organisational skills and ability to manage multiple tasks. We want to see how you prioritise workloads and meet deadlines, so give us some concrete examples from your previous roles.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Securitisation Inside Out
Make sure you brush up on your knowledge of securitised product structures like ABS and RMBS. Be ready to discuss how these products work and the credit risk drivers associated with them. This will show that you’re not just familiar with the terms, but you truly understand their implications.
✨Master Credit Analysis Techniques
Get comfortable with credit analysis methods, especially cash flow modelling and stress testing. Prepare to explain how you’ve applied these techniques in past roles. Being able to demonstrate your analytical skills will set you apart from other candidates.
✨Stay Updated on Macroeconomic Trends
Familiarise yourself with current macroeconomic factors that could impact asset performance and credit risk. Bring examples of how these trends have influenced your previous work or decisions. This shows you’re proactive and aware of the bigger picture.
✨Showcase Your Communication Skills
Since strong communication is key for this role, practice articulating your thoughts clearly and concisely. Prepare to discuss how you’ve successfully led credit due diligence calls or presented submissions in the past. This will highlight your ability to build positive relationships and convey complex information effectively.
