End Date
Thursday 14 May 2026
Salary Range
£0 - £0
Flexible Working Options
Flexibility in when hours are worked, Hybrid Working, Job Share
Job Description Summary
JOB TITLE: Credit Officer, FI Credit - Securitisation
LOCATION: Birmingham, Leeds, Edinburgh or London
HOURS: Full-time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.
Job Description
An exciting opportunity has arisen for a Credit Officer to join the Securitisation team, which forms part of the broader Financial Institutions ("FI") Credit Risk team. In Credit Risk we support our business partners in achieving their goals, whilst managing credit risk and protecting the bank from any losses. In the broader FI Credit team, we work with clients you’ll likely already know ranging from insurance companies to banks, pension funds and governments.
In this role, your focus will be supporting the Securitised Products Group. You will manage a portfolio of counterparties and provide insightful, high‑quality analysis, advice and guidance in a specific area of credit risk. You will prepare new business and annual credit reviews and present these submissions to sanctioning officials for approval. You’ll also get the opportunity to lead credit due diligence calls with clients, shape deal structures and inform credit risk appetite.
We are a small team with a motivating and collaborative culture. With a healthy growth agenda for the FI portfolio, this role will provide opportunities for new business, learning and development and general variety in your workload. Attention to detail is a key skill needed to excel; any training gaps will be supported by the current team.
So who are you?
* A robust understanding of Securitised Products 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 and/or Rating agency desired.
* Awareness of macroeconomic factors impacting asset performance and credit risk.
* A sound understanding of the credit risk assessment of Financial Institutions or Large Corporate clients.
* Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines, and flag when help is needed.
* Strong communication skills, both written and verbal.
* A committed team player with the ability to build and manage positive internal colleague relationships outside of the team.
Benefits
* A generous pension contribution of up to 15%
* An 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
* A range of wellbeing initiatives and generous parental leave policies
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