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Credit Officer – Securitisation, Financial Institutions
Lloyds Banking GroupCredit Officer in the Securitisation team managing credit risk at financial institutions. Collaborating on credit analysis and providing guidance to business partners.
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 business partners in achieving their goals, whilst managing credit risk and protecting the bank from any losses.
- Collaborate within the Securitisation team, which forms part of the broader Financial Institutions (“FI”) Credit Risk team.
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 Risk AssessmentStress TestingScenario AnalysisPortfolio ManagementDeal Structuring
Soft Skills
Organisational SkillsTeam PlayerRelationship ManagementPrioritisationConfidence