Lloyds Banking Group
Credit Officer - Securitisation - Financial Institutions
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Credit Officer - Securitisation - Financial Institutions
Credit Officer, FI Credit - Securitisation
End Date: Saturday 11 July 2026
Salary Range: £0 - £0 (Flexible working supported – see options below!)
Flexible Working Options
- Flexibility in when hours are worked
- Hybrid Working
- Job Share
(For more information, click here for our [flexible working options](link identifiers))[^]
Job Description
Summary
JOB TITLE: Credit Officer, FI Credit – Securitisation
LOCATION: Birmingham, Leeds, Edinburgh or London
HOURS: Full-time
WORKING PATTERN: Hybrid – at least two days per week (40% or more) in the office at one of our sites.
About the Role
An exciting opportunity has arisen in Lloyds Banking Group for a Credit Officer to join the Securitisation Team, part of the broader Financial Institutions ("FI") Credit Risk department. The Credit Risk team plays a critical role in supporting business partners to achieve their strategic goals while managing credit risk and protecting the bank from losses.
As part of the FI Credit team, you’ll work closely with established and high-profile clients—insurance companies, banks, pension funds, and governments.
In this Credit Officer role, your focus will be on:
- Supporting the Securitised Products Group.
- Managing a portfolio of counterparties with tailored credit risk management.
- Providing insightful, high-quality analysis, advice, and guidance to senior stakeholders.
- Preparing and presenting new business submissions and annual credit reviews for sanctioning approvals.
- Leading client credit due diligence calls, shaping deal structures, and informing credit risk appetite.
At the core of this role is attention to detail, ensuring nothing slips through the cracks—whether it's modelling cash flows, conducting stress tests, or analysing scenarios. What sets this position apart, though, is the collaborative and growth-oriented culture of the Securitisation team. Here, every member matters, and with ambitious portfolio expansion plans ahead, there’s space to learn, develop, and take ownership.
Responsibilities
- Portfolio Management & Analysis:
- Manage assigned credit portfolios, including Financial Institutions and Large Corporates to mitigate and manage risk.
- Conduct due diligence on new and existing counterparties.
- Provide high-quality credit risk analysis, underpinning business decisions.
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New Business & Ongoing Control:
- Prepare new lending or securitisation proposals, mineral investments and risk assessments.
- Draft and have approved annual credit reviews, including Securitisation deal structures (ABS, RMBS).
- Support structuring transition out as part of Walney trio maturity.
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Client Relationships & Innovation:
- Engage directly with institutional and corporate clients, gathering key information & providing guidance.
- Participate in shaping credit risk positioning to ensure alignment with business objectives.
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Reporting & Strategic Influence:
- Present findings and recommendations to senior stakeholders.
- Collaborate with Analytics Team, Risk modelling & credit agnostic to propose innovative practices.
Requirements
To apply for this position, you ideally bring these skills and experience: (If you lack any listed requirements, onboarding support, training and upskill investment are guaranteed.)
Technical & Analytical Skills
- Robust understanding of securitised product structures, including:
- Asset-Backed Securities (ABS)
- Residential Mortgage-Backed Securities (RMBS)
- Familiarity with rating agency methodologies and their role in transactions and their use as counterparties.
- Proficient in quantitative credit analysis, with hands-on experience including:
- Cash flow modelling
- Stress testing
- Scenarios analysis (macro, deal-specific, or debt)
- Experience and understanding of Evaluation Agencies, notably the big three in the market (Moody’s, S&P & Fitch).
- Bank or agency experience is desirable, though not mandatory for this role.
Qualities & Attributes
- Attention to detail and a structured approach to risk analysis.
- Exceptional organizational skills, balancing multiple priorities and urgent requests.
- Strong communication both written and verbal to inform and influence decision-making.
- A team player mentality, fostering collaboration within and beyond the team.
- Ability to empower peers with expertise while integrating into existing dynamism.
Benefits
Lloyds Banking Group offers a comprehensive and flexible benefits package, including:
- Generous retirement savings – up to 15% company contribution.
- Performance-based bonuses, plus free shares under our Share Schemes.
- Adaptable lifestyle benefits such as discounted shopping across Meridian, Lloyds & Monarch programmes & beyond.
- Twenty-day annual holiday total plus bank holidays.
- Wellbeing initiatives to support your physical and mental health.
- Generous parental leave policies to assist colleagues in balancing professional and personal commitments.
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We foster an inclusive culture, utilising the diversity of backgrounds to provide practical learning and growth.
Our Culture & Purpose
We care deeply about who we are and the impact we make.
At Lloyds Banking Group, colleagues are focused on supporting Britain’s prosperity through:
- Delivering trusted financial services to customers, businesses, and communities.
- Creating opportunities to learn, grow, and develop within our key role to shape the future of financial services.
Three centuries of experience have instilled in us the resilience to address challenges—but it’s not nostalgia. It’s motivation to build a thriving culture, foster organisational agility, encourage changes we want to make and the funding knowledge required.
We play a vital part in driving an every industry financial approach—especially when you have the scale and capability to assist us. Come join us and do the best work of your career.
Commitment to Data Protection
Your data is our priority, and we only review confidential information after a formal invite or verbal offer is accepted. Background checks will be explained, assessing only necessary details and clearly stating trust reasons behind requests.
Dignity, freedom, reliability—and progress are core to our culture.
«Frontline colleagues shape how we process information as we come to understand facilitated compliance compliance and client needs beyond the conventional framework. Join us to help shape responsible growth supporting key stakeholders further in your career.--»
For more information or queries regarding this role, email: careers@lloydsbanking.com
To explore our extensive Flexible Working Options, use our free search text e.g.:job sharing, variable working hours to find relevant experience.
Lloyds Banking Group is proud to be: «Equal-opportunities employers, committed to fair representation, and celebrating the power of diversity.»—in both teams & our clients.
Inclusive. Empowering. Driving change—one credit memo at a time.
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