Credit Officer, FI Credit (Finance)

TL;DR

Credit Officer, FI Credit (Finance): Conducting comprehensive credit analysis and making recommendations on lending, trading limits, and internal ratings for insurance clients with an accent on risk management and portfolio oversight. Focus on assessing sector-specific risks, simplifying underwriting processes, and managing market risk dynamics for traded products.

Location: Hybrid (Birmingham, Bristol, Leeds)

Salary: £78,372 - £87,080

Company

hirify.global is a leading UK financial institution focused on transforming the future of finance.

What you will do

• Lead a portfolio of Insurance clients, including Brokers, Life, Non-life, and Lloyd's of London.
• Conduct independent credit analysis and provide recommendations on lending, trading limits, and internal ratings.
• Proactively contribute to sector strategy, credit policies, and simplification initiatives to automate processes.
• Analyze market and counterparty risk dynamics for traded products, including derivatives and securities financing.
• Monitor portfolio risks and concentrations, recommending mitigation actions for emerging sector developments.
• Support the development of junior team members and maintain consistent underwriting standards.

Requirements

• Strong understanding of Insurance business models, regulatory environments, and capital frameworks.
• Robust experience in financial and non-financial analysis of insurance firms.
• Excellent credit writing skills with the ability to present complex risks concisely.
• Knowledge of traded products, market risk calculations, and exposure mitigation.
• Degree in Finance, Economics, Mathematics, Accounting, or a related discipline.
• Must be based in or be able to work from Birmingham, Bristol, or Leeds (Hybrid).

Nice to have

• Formal Credit and Insurance sector training.
• Professional qualifications such as CFA, ACA, ACCA, or FRM.

Culture & Benefits

• Generous pension contribution of up to 15%.
• Annual performance-related bonus and share schemes.
• 30 days’ holiday plus bank holidays.
• Inclusive environment with dedicated diversity, equity, and inclusion goals.
• Flexible working options, including hybrid attendance and job sharing.
• Comprehensive wellbeing initiatives and generous parental leave policies.