346 Credit jobs in the United Kingdom

Director, Credit Risk Officer - Corporates Credit, GCIB Credit
Dublin, Ireland;London, United Kingdom
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge
Refer a friend
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge ( Description:**
**Job Description**
**Job Title:** Credit Risk Officer
**Corporate Title:** Director
**Location:** Dublin or London
**Company Overview**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
**Dublin Location Overview**
Overlooking the spectacular Iveagh Gardens with access to all amenities in the beating heart of central Dublin is our Park Place office. Travel options include the LUAS, Dublin Bus networks as well as the Dublin Bikes station, positioned just outside our front doors. As part of our commitment to supporting staff travel to and from work in the most sustainable way possible, we also provide tax saver tickets as part of our award-winning benefits package which means getting to work has never been easier.
**London Location Overview:**
Our London office is based just a stone's throw from the magnificent St. Paul's Cathedral on bustling King Edward Street. Here you'll find modern workspaces and a state-of-the-art auditorium space. In addition, we're proud to host an onsite restaurant that shares our commitment to sustainability by providing delicious seasonal menus which have been created with the planet in mind. Make sure to take time for yourself and head up to our rooftop terrace and take in the spectacular views across London. Finally, your physical wellness is well-catered for with our onsite gym facilities and medical centre.
**Role Description**
An exciting opportunity to join our Corporates Credit team a part of Global Corporate and Investment Banking (GCIB), Credit managing and delivering credit relationships for corporate clients in accordance with the company's growth strategy, risk appetite and underwriting standards. We are an independent function that works closely with various lines of business, relationship managers, product specialists and Risk.
GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes Corporate Banking and Investment Banking and GM includes Sales & Trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.
GCIB Credit partners with teams across GCIB & GM including Trade Service Partners and Global Treasury Management to drive business growth and results while maintaining appropriate risk discipline specific to the corporate credit portfolio. Integral to GCIB Credit's mission is its partnership with other branches of GCIB, GM and Risk Management organisation in order to effectively manage and monitor the credit risks related to the corporate portfolio.
**Responsibilities**
+ Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
+ Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
+ Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
+ Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
+ Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit life cycle.
+ Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
+ Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk.
+ Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
+ Participate in strategic projects to support business goals.
+ Providing appropriate coaching and development to junior teammates.
**What we are looking for**
+ BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
+ Credit risk experience at a major international financial institution, analysing, assessing companies and knowledge of EMEA and specific industry sectors, structuring transactions and documentation.
+ Credit skills, risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment in which the bank operates, and how that impacts client and portfolio's credit profile and ability to defend rigorously a fact-based point of view.
+ Sound product/technical, documentation and process knowledge across lending, trade finance and derivative (FX, rates, commodities and equities) products.
+ Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
+ Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
+ Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel.
+ Strong organisational skills with ability to prioritise and work under pressure, drive deal selection, negotiate solutions, strong transaction management process, and proactively manage credit risks.
+ Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
+ Keen interest in finance, macroeconomic and geopolitical issues.
+ Fluency in English required. Additionally, German language skills highly beneficial.
**Benefits of working at Bank of America**
**Ireland**
+ Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
+ Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
+ 20 days of back-up childcare and 20 days of back-up adult care per annum
+ The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
+ Access to an Employee Assistance Program for confidential support and help for everyday matters
+ Access to free counselling through the Employee Assistance Program and virtual GP services through our private health care plan
+ Ability to donate to charities of your choice and the bank will match your contribution
+ Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of Ireland's most iconic cultural institutions and exhibitions.
+ Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.
**UK**
+ Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
+ Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
+ 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
+ The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
+ Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services.
+ Access to an Employee Assistance Program for confidential support and help for everyday matters
+ Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
+ Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK's most iconic cultural institutions and exhibitions.
+ Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.
**Bank of America**
Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.
We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender/sex, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, membership of the Traveller community, age, sexual orientation, pregnancy or maternity, civil status, socio-economic background, responsibility for dependants, family status or physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications and experience.
We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
To view the "Know your Rights" poster, CLICK HERE ( .
View the LA County Fair Chance Ordinance ( .
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
To view Bank of America's Drug-free Workplace and Alcohol Policy, CLICK HERE .
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
Central Rating and Underwriting Team (CRU) sits within the Credit and Fraud Risk division and forms the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, working capital facilities, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity.
In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must comply with the highest global banking standards set by Basel and implemented by the banks primarily regulatory, the Federal Reserve.
**How will you make an impact in this role?**
Credit Risk Analysts in CRU are responsible for rating and underwriting credit exposures in their assigned region, industry, and business line. The Analysts' fundamental credit assessment incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Analysts will also need to show an understanding of the need for credit extension, profitability of the relationship, risk mitigation and program structures.
**Minimum Qualifications**
+ Fluency in English mandatory; at least one other Western European language would be highly advantageous.
+ Bachelor's degree/equivalent in Finance or a related subject.
+ Experience in fundamental credit analysis and / or underwriting of commercial enterprises (1-2 years)
+ Understanding of fundamental financial analysis including the ability to review corporate financial statements to determine key risk drivers, an appropriate probability of default and the ability of the obligor to honour its credit obligations to American Express.
+ Comfortable determining appropriate credit capacity, structuring of facilities, and risk mitigation techniques.
+ Ability to prepare accurate company-specific and industry-wide credit risk memorandums.
+ Excellent written and verbal communication skills.
+ Basic working knowledge of Microsoft Excel.
+ Understanding of banking regulations, particularly those imposed by Basel Committee on Banking Supervision.
+ Understanding of current macroeconomic trends and how to provide recommendations to improve the Probability of Default estimation based on the business cycle.
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25012837

Ready to be pushed beyond what you think you're capable of?
At Coinbase, our mission is to increase economic freedom in the world. It's a massive, ambitious opportunity that demands the best of us, every day, as we build the emerging onchain platform - and with it, the future global financial system.
To achieve our mission, we're seeking a very specific candidate. We want someone who is passionate about our mission and who believes in the power of crypto and blockchain technology to update the financial system. We want someone who is eager to leave their mark on the world, who relishes the pressure and privilege of working with high caliber colleagues, and who actively seeks feedback to keep leveling up. We want someone who will run towards, not away from, solving the company's hardest problems.
Our is intense and isn't for everyone. But if you want to build the future alongside others who excel in their disciplines and expect the same from you, there's no better place to be.
While many roles at Coinbase are remote-first, we are not remote-only. In-person participation is required throughout the year. Team and company-wide offsites are held multiple times annually to foster collaboration, connection, and alignment. Attendance is expected and fully supported.
Coinbase is looking for a highly motivated Credit Risk Analyst to join our Credit Risk team. You will help manage complex credit risks across a global client base, in a dynamic digital asset market environment. Working closely with risk professionals and product teams, your responsibilities will include underwriting counterparties, evaluating asset risks, monitoring and reporting exposures, and contributing to thought leadership to deliver lending solutions through existing and new products. This role will report to the Head of Derivatives Credit Risk, and may be based in London or remotely in the United Kingdom.
*What you'll be doing (ie. job duties):*
* Perform diligence and underwriting of clients and counterparties, focused on market makers, banking & payment providers, and trading venues.
* Recommend internal credit ratings and risk-based limits, and prepare written analysis substantiating your assessment.
* Conduct continuous surveillance of trading and bank partners, along with periodic portfolio reviews, audits, and capital planning exercises.
* Analyze asset volatility and liquidity risks on a per-asset and portfolio basis.
* Provide recurring monitoring of settlements market developments, and portfolio concentrations and clearly communicate trends to leadership.
* Negotiate industry documentation (e.g. MLAs and SLAs).
* Collaborate with stakeholders (business development, operations, legal, etc.) and product teams to resolve complex client or product challenges.
* Stay up-to-date with industry trends, regulations, and advancements to continuously expand knowledge and expertise.
*What we look for in you (ie. job requirements):*
* Minimum of 1-3 years hands-on credit risk management experience.
* Prior experiences covering financial institutions or market makers is highly preferred.
* Interest in and basic understanding of capital markets products and documentation.
* Strong communication skills, both written and verbal.
* Excellent analytical, quantitative and spreadsheet skills.
* Excellent time management and prioritization; enjoy operating in a dynamic and fast-paced environment.
*Nice to haves:*
* Experience working with process improvement, capital planning, and/or stress testing.
Position ID:P70589
*Pay Transparency Notice: *The target annual salary for this position can range as detailed below. Full time offers from Coinbase also include target bonus + target equity + benefits (including medical, dental, and vision).
Pay Range:
£50,130-£55,700 GBP
Please be advised that each candidate may submit a maximum of four applications within any 30-day period. We encourage you to carefully evaluate how your skills and interests align with Coinbase's roles before applying.
Commitment to Equal Opportunity
Coinbase is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, sex, gender expression or identity, sexual orientation or any other basis protected by applicable law. Coinbase will also consider for employment qualified applicants with criminal histories in a manner consistent with applicable federal, state and local law. For US applicants, you may view the in certain locations, as required by law.
Coinbase is also committed to providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please contact us at accommodations Data Privacy Notice for Job Candidates and Applicants
Depending on your location, the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job applicants. Our full notice outlining how data will be processed as part of the application procedure for applicable locations is available Disclosure
For select roles, Coinbase is piloting an AI tool based on machine learning technologies to conduct initial screening interviews to qualified applicants. The tool simulates realistic interview scenarios and engages in dynamic conversation. A human recruiter will review your interview responses, provided in the form of a voice recording and/or transcript, to assess them against the qualifications and characteristics outlined in the job description.
For select roles, Coinbase is also piloting an AI interview intelligence platform to transcribe and summarize interview notes, allowing our interviewers to fully focus on you as the candidate.
*The above pilots are for testing purposes and Coinbase will not use AI to make decisions impacting employment*. To request a reasonable accommodation due to disability, please contact mailto:

About Us

YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

We are seeking a motivated and detail-oriented Credit Risk Analyst to join our Credit Risk team. The successful candidate will support collections data analysis and contribute to strategy improvements aimed at optimising our collections and recoveries processes.

Requirements

• Collections Data Analysis: Analyse collections data to identify trends, patterns, and areas for improvement. Develop insights that will inform and enhance our collections strategies.
• Strategy Improvement: Collaborate with the Collections Operations team to design and implement strategies that optimise collections performance and reduce credit risk.
• Reporting: Prepare and present detailed reports on collections performance, highlighting key metrics and making data-orientated recommendations for strategic adjustments.
• Data Management: Ensure accuracy and integrity of collections data by maintaining and updating relevant databases and systems.
• Collaboration: Work closely with other departments, including Finance, Sales, Underwriting and Customer Service, to ensure cohesive and effective credit risk management practices.

Essential:

• Working knowledge of SQL
• Experience in credit collections
• Understanding of the SME collections process

Desirable:

• Experience building/managing collections strategies
• Working knowledge of Python.
• Experience working with Aircall and Hubspot
• Experience in revenue based financing (merchant cash advances),
• Experience using Companies House data

Benefits

Why join YouLend?

• Award-Winning Workplace:  YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
• Award-Winning Fintech : YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

We offer a comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Squash Club

Salary: £60,000 - 80,000 +10% annual bonus

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.

About Us

YouLend is a rapidly growing FinTech Company that is the preferred embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers. Our software platform enables our partners to offer flexible financing products in their own branding to their merchant base without capital at risk.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

We are looking to add a Credit Risk Analyst to the team who will evaluate the creditworthiness of potential borrowers, analyze financial data and credit scores to determine risks in lending. You will review and interpret complex financial statements and economic trends to advise on credit limits and risk mitigation strategies. The analyst will monitor the financial health of existing clients to anticipate and manage potential default risks. They also ensure that all lending activities comply with regulatory standards and internal policies. Through your analysis, you will support the decision-making process regarding loan approvals and risk management.

Requirements

• Design and maintain statistical models for the assessment of credit risk.
• Analyse large datasets to forecast financial outcomes and estimate risks.
• Perform stress testing and scenario analysis to assess potential impacts on credit portfolios.
• Provide insights and recommendations to manage credit risk exposure effectively.
• Compile and present analytical reports to senior management and key stakeholders.

You will need:

• A degree in Finance, Statistics, Economics, Mathematics, or a related field.
• Proficient in statistical analysis software and programming languages such as SQL, Python, or SAS.
• Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
• Experience with data visualization tools and techniques.
• Excellent analytical, problem-solving skills and attention to detail.

Desirable:

• Experience in credit risk

Benefits

Why join YouLend?

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.

We offer comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Squash Club

Credit Risk Officer
Location: Solihull
Salary: (phone number removed)
Job Type: Full-Time, Permanent

Are you an experienced credit professional looking for your next challenge in a dynamic and fast-paced finance environment? We're working on behalf of a forward-thinking and well-established client seeking a Credit Risk Officer to join their Credit & Funding team.

This is a fantastic opportunity to take on a varied role that supports business growth through the effective management of credit lines, funder relationships, and the delivery of insightful credit analysis. You'll be at the heart of ensuring credit policies are adhered to while supporting a range of commercial lending activities.

Key Responsibilities:

• Prepare and submit credit applications to third-party funders and internal underwriters

• Gather and manage customer data

• Build strong working relationships with external funders and internal sales teams

• Manage facility renewals, credit line tracking, and ongoing portfolio monitoring

• Produce accurate management reporting on credit exposure and utilisation

• Maintain and update internal systems with credit-related information

• Support on boarding of new customers with thorough due diligence checks

• Lead or contribute to credit-related projects and training initiatives

Skills & Requirements:

• Previous experience in an underwriting or asset finance environment

• Beneficial but not essential - studying towards ACCA or CIMA

• Strong working knowledge of credit risk processes and compliance

• Excellent communication and relationship-building skills

• Highly organised, with strong numerical and analytical skills

• Advanced Excel skills; comfortable working with multiple systems

• High attention to detail and a proactive, problem-solving mindset

• Financial or accounting qualifications are desirable

Benefits & Package:

• A collaborative and supportive working culture

• Opportunities to work closely with funders and stakeholders at all levels

• Exposure to a wide variety of credit activities across the business

• Competitive salary and comprehensive benefits package

• Hybrid working environment (where applicable)

To apply for the Credit Risk Officer position, please click on the apply now button and your CV will be sent directly to the responsible recruiter. We will respond to successful applicants within 7 days, however please feel free to get in touch if you would like any further information about your application.

At Gleeson Recruitment Group, we embrace inclusivity and welcome applicants of all backgrounds, experiences, and abilities. We are proud to be a disability confident employer.

By applying you will be registered as a candidate with Gleeson Recruitment Limited. Our Privacy Policy is available on our website and explains how we will use your data.

Credit Risk Officer
Location: Stoke on Trent
Salary: (phone number removed)
Job Type: Full-Time, Permanent

Are you an experienced credit professional looking for your next challenge in a dynamic and fast-paced finance environment? We're working on behalf of a forward-thinking and well-established client seeking a Credit Risk Officer to join their Credit & Funding team.

This is a fantastic opportunity to take on a varied role that supports business growth through the effective management of credit lines, funder relationships, and the delivery of insightful credit analysis. You'll be at the heart of ensuring credit policies are adhered to while supporting a range of commercial lending activities.

Key Responsibilities:

• Prepare and submit credit applications to third-party funders and internal underwriters

• Gather and manage customer data

• Build strong working relationships with external funders and internal sales teams

• Manage facility renewals, credit line tracking, and ongoing portfolio monitoring

• Produce accurate management reporting on credit exposure and utilisation

• Maintain and update internal systems with credit-related information

• Support on boarding of new customers with thorough due diligence checks

• Lead or contribute to credit-related projects and training initiatives

Skills & Requirements:

• Previous experience in an underwriting or asset finance environment

• Beneficial but not essential - studying towards ACCA or CIMA

• Strong working knowledge of credit risk processes and compliance

• Excellent communication and relationship-building skills

• Highly organised, with strong numerical and analytical skills

• Advanced Excel skills; comfortable working with multiple systems

• High attention to detail and a proactive, problem-solving mindset

• Financial or accounting qualifications are desirable

Benefits & Package:

• A collaborative and supportive working culture

• Opportunities to work closely with funders and stakeholders at all levels

• Exposure to a wide variety of credit activities across the business

• Competitive salary and comprehensive benefits package

• Hybrid working environment (where applicable)

To apply for the Credit Risk Officer position, please click on the apply now button and your CV will be sent directly to the responsible recruiter. We will respond to successful applicants within 7 days, however please feel free to get in touch if you would like any further information about your application.

At Gleeson Recruitment Group, we embrace inclusivity and welcome applicants of all backgrounds, experiences, and abilities. We are proud to be a disability confident employer.

By applying you will be registered as a candidate with Gleeson Recruitment Limited. Our Privacy Policy is available on our website and explains how we will use your data.

Credit Risk Officer
London, United Kingdom;Dublin, Ireland; Frankfurt, Germany
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge
Refer a friend
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge ( Description:**
Job Title: Credit Risk Officer
Corporate Title: VP
Location: London/Dublin/Frankfurt
Company Overview:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
Role Description:
As part of Global Banking & Markets, GCIB Credit manages and delivers the credit relationship for wholesale clients in accordance with the company's growth strategy, risk appetite and underwriting standards. While we are an independent function, we work closely with various lines of business, relationship managers, product specialists and Risk.
Global Banking & Markets includes corporate banking, investment banking and sales & trading. The group provides services to large corporations, government entities and institutional investors. These services include mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.
Responsibilities:
+ Develop and maintain a deep understanding of the Global Banking & Markets product spectrum.
+ Develop and maintain a deep understanding of the portfolio at the client, industry, and macro level to assess risk and craft value added solutions that balance risk.
+ Assess the credit worthiness, including due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
+ Structure transactions and negotiate credit documentation including; credit agreements, amendments, derivative documentation.
+ Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
+ Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit life cycle.
+ Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
+ Participate in strategic projects to support business goals.
+ Providing leadership and management within the team, comprising Associates and Analysts.
What we are looking for:
+ Credit skills and risk judgement/Knowledge of EMEA market and specific industry sectors, structuring and documentation.
+ Corporate Finance perspective and drives deal selection, screening and transaction management process.
+ Accomplished negotiator with good foundation in relative value assessment and risk mitigation techniques.
+ Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
+ Sound product/technical and process knowledge across lending and derivative (FX, rates, commodities and equities) products.
+ Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
+ Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
+ Commercial mindset to support value added discussions with the clients and Relationship Managers.
+ Extensive credit risk experience at a major international financial institution, analysing, assessing companies in different sectors and structuring transactions.
Skills that will help:
+ Fluency in use of all Microsoft Office applications, particularly Excel.
+ Effective interpersonal and communication skills with ability to resolve issues in a professional and timely manner working in a team.
+ Strong organizational skills with ability to prioritize and work under pressure to ensure to meet deadlines.
+ Fluency in English. Additionally, German language skills would be beneficial.
Bank of America:
Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.
We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender/sex, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, membership of the Traveller community, age, sexual orientation, pregnancy or maternity, civil status, socio-economic background, responsibility for dependants, family status or physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications and experience.
We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
To view the "Know your Rights" poster, CLICK HERE ( .
View the LA County Fair Chance Ordinance ( .
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
To view Bank of America's Drug-free Workplace and Alcohol Policy, CLICK HERE .
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.