Credit Officer – Securitisation – Financial Institutions

Credit Officer, FI Credit – Securitisation

Location: Birmingham, Leeds, Edinburgh or London. Hours: Full‑time. Working pattern: Hybrid – spend at least two days a week (or 40 %) at an office site.

Job Description

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

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