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Credit Officer – Securitisation, Financial Institutions
Lloyds Banking Group. Manage a portfolio of counterparties and provide insightful, high-quality analysis, advice and guidance in a specific area of credit risk .
About the role
Key responsibilities & impact- Manage a portfolio of counterparties and provide insightful, high-quality analysis, advice and guidance in a specific area of credit risk
- Prepare new business and annual credit reviews & present these submissions to sanctioning officials for approval
- Lead credit due diligence calls with clients, shape deal structures and inform credit risk appetite
- Support the business partners in achieving their goals, whilst managing credit risk and protecting the bank from any losses
- Collaborate with a small team in a motivating & collaborative culture to promote growth for the FI portfolio
Requirements
What you’ll need- 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, as well as having the confidence to flag when you might need help
- Strong communication skills both written and verbal
- A committed team player with the ability to build & manage positive internal colleague relationships outside of the team
Benefits
Comp & perks- 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
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysiscash flow modellingstress testingscenario analysisSecuritised ProductsABSRMBSrating agency methodologiescredit risk assessmentmacroeconomic factors
Soft Skills
organisation skillsprioritisationdeadline managementcommunication skillsteam playerrelationship buildingcollaborationmotivationconfidenceproblem-solving