Senior Credit Officer, Specialised Finance Risk, Securitization in London

We’re looking for a seasoned Senior Credit Officer to join our Specialised Finance Risk team within the Corporate & Investment Bank. In this high-impact 2nd Line of Defence role, you’ll oversee complex securitisation and asset-backed finance credit risk across global markets, shape deal structuring, and guide strategic underwriting decisions.

If you’re passionate about credit discipline, portfolio management, and delivering trusted risk opinions in fast-moving scenarios—this role puts you at the centre of high-value decision-making.

Key Responsibilities

• Manage credit risk across asset-backed financing, securitisation, warehousing, and traded ABS portfolios.
• Lead deal screening, due diligence, structuring feedback, and independent risk recommendations.
• Review and approve 1LoD credit applications and ratings, ensuring risk appetite alignment.
• Monitor portfolio, identify risks, conduct stress tests, and drive Early Alert actions.
• Present reviews and risk insights to senior 1LoD and 2LoD stakeholders.
• Partner with business teams to meet revenue goals while ensuring credit discipline.
• Strengthen governance, regulatory compliance, policy adherence, and controls.
• Represent Specialised Finance Risk in meetings, due diligence, committees, and forums.
• Support initiatives to improve frameworks, reporting, and efficiency.
• Mentor juniors and build risk awareness organisation-wide.

Skills And Qualifications

Skills

• Expertise in securitisation, asset-backed finance, and structured credit (ABS, RMBS, CMBS, CLO, ABF, ABL, warehouses).
• Strong credit risk judgement and decisive opinion under pressure.
• Advanced structuring, financial analysis, stress testing, and portfolio monitoring.
• Translate complex risks into clear recommendations.
• Proven ability to challenge and influence senior stakeholders.
• Strong engagement across 1LoD, 2LoD, and geographies.
• Solid knowledge of credit documentation, underwriting, and regulations.
• Experience managing complex counterparties across regions and assets.
• Insight into market risk, governance, and enterprise risk.
• Experience in policy, control, and portfolio standards.
• Familiar with PRA/FCA requirements and MRT roles.
• Cross-cultural collaboration and global teamwork.

Qualifications

• University degree or equivalent.
• Extensive securitisation, structured finance, or asset-backed lending experience—ideally in investment banking.
• Strong English communication (written and verbal).
• Proven leadership, influence, and independent work contributing to team success.

Profile Description

Standard Chartered Bank