Senior Credit Officer (FI Credit, Banks)

• An exciting opportunity has arisen for a Senior 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. We challenge existing ways of working and seek ways to simplify and automate, so we can focus on what matters
• As a Senior Credit Officer in the FI Credit – Banks team, you will look after our exciting and growing Global Banks portfolio (including our own intragroup subsidiaries). You will make recommendations on complex new transactions, lending/trading limit requests, design sector strategies, policies and processes. You will be trusted to take decisions with a sizeable, delegated credit authority and you will also lead client due diligence meetings
• We are looking for someone who can be a role model across FI Credit and build strong relationships with key partners across Coverage and Product teams. You will support and constructively challenge the front line to build a long-term sustainable business
• You will mentor and upskill junior members of the team as well as reviewing their submissions to senior sanctioners. You will also have the opportunity to collaborate on other FI portfolios, such as Insurance, Securitisations, Financial Sponsors and Funds

Benefits

• A generous holiday allowance: You’ll be eligible for a minimum of 22 days holiday (excluding bank holidays), rising to 30 days based on length of service and grade.
• A flexible way of working: Whether you want flexibility over your location or when you log on, together we can create an approach that works for you and for the business.
• Family leave: Up to 63 weeks of maternity or adoption leave. Statutory maternity or adoption pay is available for 39 weeks, and 20 weeks will be enhanced to the equivalent of full pay. Partners can have six weeks of fully paid paternity leave.
• Flex cash: This is 4% of your basic salary and can be used to spend on the benefits of your choice, or you can choose to take it as a cash top up in your monthly salary.
• Health insurance: Our company funded Private Medical Benefit provides all colleagues with access to good quality medical care, including accommodation, nursing care and specialist advice.
• Colleague Offers: Get discounts on everything from electrical items to cinema tickets and weekly food shopping. You can share this benefit with up to ten family members or friends.
• Financial products: Take advantage of our great financial products, some at a discounted rate, including current accounts, home and car insurance and loans.
• Share plans: Participate in Sharematch and receive matching shares of up to £45 a month from the company, and you can choose to participate in Sharesave, our combined savings and share option plan.
• Pension: We offer a generous pension plan, with all joiners being automatically enrolled in our ‘Your Tomorrow’ scheme. You can decide how much you save and get a say in where your contributions are invested.

• A real excitement for supporting and promoting team members ensuring all team members have time for personal development, up-skilling and cross training
• Led client due diligence meetings
• A passion for change, automation and simplification
• Significant experience in the credit risk assessment of Global Banks.
• Sound knowledge of sector trends, horizon risks and regulation
• Excellent knowledge of lending and traded products and documentation
• Ability to seek out, build and maintain trusting relationships and partnerships with stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes
• 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
• Track-record in independent decision making and is able to communicate succinctly and efficiently in a clear and unambiguous manner
• Held senior Credit Authority in past roles
• Formal Credit training preferred

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