Credit Officer

Australian Investors Association; London; Hybrid; GBP 40,000 - 80,000; Full time

Job summary

An established industry player is seeking a Credit Officer to join their UK Credit Risk Management team. This role involves analyzing and approving securitization transactions, negotiating credit terms, and monitoring ongoing risks. The company emphasizes a healthy work-life balance with a hybrid working model, competitive salary, and a range of benefits including life assurance and private healthcare. Join a team that values diversity and supports continuous learning, making a significant impact in the financial sector.

Benefits

Hybrid Working

Competitive salary

30 days’ holiday plus bank holidays

Life Assurance

Private Healthcare

Flexible benefits

Volunteering leave

Qualifications

• Experience with securitisation structures and rating agency methodologies.
• Strong analytical skills to explain complex transaction structures.

Responsibilities

• Support credit approval of securitisation transactions and ensure risk appetite.
• Analyze quality of collateral and stay informed about market trends.

Skills

Credit risk management knowledge

Analytical skills

Attention to detail

Ability to evaluate cash flow models

Education

Bachelor’s degree in Finance

Bachelor’s degree in Accounting

Bachelor’s degree in Economics

Job description

Credit Officer

Job ID: R0385114 Full/Part-Time: Full-time Regular/Temporary: Regular Listed: 2025-04-11 Location: London

Position Overview

Job Title: Credit Officer

Location: London

Corporate Title: VP

You’ll be joining the United Kingdom (UK) Credit Risk Management - Securitisation team. The team is tasked with managing the credit risk associated with Deutsche Bank’s securitisation financing activities in UK and Europe. Credit officers are responsible for analysis and approval of securitization transactions, setting and monitoring facility limits, negotiating credit terms with the responsible business line and ongoing risk monitoring of exposures.

What we’ll offer you

A healthy, engaged and well-supported workforce are better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That’s why we are committed to providing an environment with your development and wellbeing at its centre.

You can expect:

• Hybrid Working - we understand that employee expectations and preferences are changing. We have implemented a Hybrid Working Model that enables eligible employees to work remotely for a part of their working time and reach a working pattern that works for them.
• Competitive salary and non-contributory pension.
• 30 days’ holiday plus bank holidays, with the option to purchase additional days.
• Life Assurance and Private Healthcare for you and your family.
• A range of flexible benefits including Retail Discounts, a Bike4Work scheme and Gym benefits.
• The opportunity to support a wide-ranging CSR programme + 2 days’ volunteering leave per year.

Your key responsibilities

• Support the review and credit approval of securitisation transactions, ensuring exposures are consistent with bank’s risk appetite.
• Work with 1LoD to ensure transactions are appropriately structured with adequate risk mitigation to address relevant adverse scenarios.
• Analyze the quality of underlying collateral, considering factors such as credit rating, strength of counterparty, industry trends and macroeconomic conditions are appropriately accounted for.
• Stay informed about market trends and conditions that may impact the performance of securitized assets, helping to anticipate and mitigate potential risks.
• Prepare detailed credit memos for approval with the relevant approvers and, where appropriate, present at relevant credit committees.
• Participate in broader projects and initiatives, including portfolio monitoring, stress testing and regulatory/audit requests.

Your skills and experience

• Credit risk management knowledge including experience with securitisation structures, rating agency methodologies.
• Strong analytical skills with attention to detail, ability to explain potentially complex and nuanced transaction structures to the relevant stakeholders.
• Ability to evaluate cash flow models used to structure transactions.
• Bachelor’s degree in Finance, Accounting, Economics, or related fields.

How we’ll support you

• Flexible working to assist you balance your personal priorities.
• Coaching and support from experts in your team.
• A culture of continuous learning to aid progression.
• A range of flexible benefits that you can tailor to suit your needs.
• We value diversity and as an equal opportunities employer, we make reasonable adjustments for those with a disability such as the provision of assistive equipment if required (e.g. screen readers, assistive hearing devices, adapted keyboards).

About us

Deutsche Bank is the leading German bank with strong European roots and a global network. Click here to see what we do.

Deutsche Bank in the UK is proud to have been named in The Times Top 50 Employers for Gender Equality 2024 for five consecutive years. Additionally, we have been awarded a Gold Award from Stonewall and named in their Top 100 Employers 2024 for our work supporting LGBTQ+ inclusion.

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.