Risk Officer

Contract: 6 months

Location: London (Hybrid)

Sector: Investment Banking

We are seeking an experienced Director‑level Securitisation Risk Officer (SRO) to join the Risk function of a leading investment bank on a 6‑month contract. This is a senior, hands‑on role with accountability for end‑to‑end risk assessment, transaction approval, and portfolio oversight across complex securitisation activities.

As a senior member of the Risk function, the SRO will be responsible for undertaking holistic credit and risk assessments of securitisation transactions across all relevant dimensions, including:

• Credit, market, counterparty, funding and liquidity risk
• Structural, operational, reputational, jurisdictional and ESG/CSR risks
• Regulatory capital compliance, internal ratings (IR), global recovery rates (GRR)
• Stress testing, profitability analysis and alignment with risk appetite

Key responsibilities include:

• Producing clear, well‑reasoned written Risk Opinions at transaction inception, annual review, and on an ad‑hoc basis (including new products, activities or envelopes)
• Participating in client due diligence visits (originators, sellers, servicers) and producing DD reports
• Representing Risk at credit committees, transaction approval committees and new activity forums, presenting Risk Opinions and recommendations
• Managing the full credit approval process, including committee minutes, recording approved capital parameters and limits, and timely dissemination of decisions
• Escalating adverse risk developments at transaction or portfolio level to senior management
• Undertaking portfolio reviews and ongoing portfolio risk management across defined asset classes or desks

Stakeholder & Strategic Engagement

• Maintain strong, autonomous working relationships with front‑office Business Lines and key internal stakeholders
• Act as a senior Risk partner, identifying constructive structuring solutions that enable otherwise challenging transactions to proceed within risk appetite
• Engage regularly with Legal, Compliance, Finance, Tax, Operations, IT and other Risk teams

Additional Director‑Level Responsibilities

• Drive process improvement initiatives across securitisation risk, challenging the status quo and improving efficiency and controls
• Contribute to data quality and operational risk oversight, ensuring accuracy of key risk parameters and escalation of operational incidents
• Support development of portfolio monitoring capabilities, including:
• Identification of emerging sectoral, product or geographic risks
• Watch listing and concentration analysis
• Securitisation portfolio reviews and periodic risk reporting

Required Experience & Expertise

• Extensive securitisation risk assessment experience gained at large international banks (essential); Rating Agency experience preferred
• Broad expertise across securitised products including ABS, RMBS, CMBS, CLOs, warehouse financing, securitisation swaps and derivatives
• Strong exposure to multiple asset classes (e.g. consumer, mortgages, CRE, auto, NPLs, leveraged loans), with depth in at least three
• Proven capability managing multiple live transactions concurrently, end‑to‑end
• Strong experience reviewing term sheets, loan documentation, covenants, and corporate financial statements
• Deep understanding of regulatory capital regimes and Rating Agency criteria and methodologies for securitisations
• Hands‑on experience interrogating and challenging stress testing models
• Familiarity with alternative financing structures including repo and collateral exchange
• Strong judgement, critical thinking and decision‑making under pressure
• Confident negotiating with senior front‑office stakeholders
• High ethical standards and strong sense of ownership and accountability
• Excellent communication and relationship‑building skills across multiple stakeholders
• Self‑starter mindset with a focus on innovation and continuous improvement

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