Senior Credit Officer, Specialised Finance Risk, Securitization

Requisition Number: 44089

Job Location: London, GBR

Work Type: Office Working

Employment Type: Permanent

Posting Start Date: 27/11/2025

Posting End Date:

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We're looking for a seasoned Senior Credit Officer to join our Specialised Finance Risk team within the Corporate & Investment Bank. In this high-impact 2nd Line of Defence role, you'll oversee complex securitisation and asset-backed finance credit risk across global markets, shape deal structuring, and guide strategic underwriting decisions.

If you're passionate about credit discipline, portfolio management, and delivering trusted risk opinions in fast-moving scenarios—this role puts you at the centre of high-value decision-making.

Key Responsibilities

• Manage credit risk across asset-backed financing, securitisation, warehousing, and traded ABS portfolios.
• Lead deal screening, due diligence, structuring feedback, and independent risk recommendations.
• Review and approve 1LoD credit applications and ratings, ensuring risk appetite alignment.
• Monitor portfolio, identify risks, conduct stress tests, and drive Early Alert actions.
• Present reviews and risk insights to senior 1LoD and 2LoD stakeholders.
• Partner with business teams to meet revenue goals while ensuring credit discipline.
• Strengthen governance, regulatory compliance, policy adherence, and controls.
• Represent Specialised Finance Risk in meetings, due diligence, committees, and forums.
• Support initiatives to improve frameworks, reporting, and efficiency.
• Mentor juniors and build risk awareness organisation-wide.

Skills and Qualifications

Skills

• Expertise in securitisation, asset-backed finance, and structured credit (ABS, RMBS, CMBS, CLO, ABF, ABL, warehouses).
• Strong credit risk judgement and decisive opinion under pressure.
• Advanced structuring, financial analysis, stress testing, and portfolio monitoring.
• Translate complex risks into clear recommendations.
• Proven ability to challenge and influence senior stakeholders.
• Strong engagement across 1LoD, 2LoD, and geographies.
• Solid knowledge of credit documentation, underwriting, and regulations.
• Experience managing complex counterparties across regions and assets.
• Insight into market risk, governance, and enterprise risk.
• Experience in policy, control, and portfolio standards.
• Familiar with PRA/FCA requirements and MRT roles.
• Cross-cultural collaboration and global teamwork.

Qualifications

• University degree or equivalent.
• Extensive securitisation, structured finance, or asset-backed lending experience—ideally in investment banking.
• Strong English communication (written and verbal).
• Proven leadership, influence, and independent work contributing to team success.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.