Credit Officer

End Date

Sunday 11 May 2025

Salary Range

£0 - £0

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

JOB TITLE: Credit Officer - Services & Public Sector
LOCATION: London
HOURS: Full-time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

Job Description

Here at Lloyds Banking Group, the CIB Corporate Credit team have an opportunity for a Credit Officer within the Business & Professional Services Credit Team. We look after high profile and sophisticated clients generating a minimum of £100m in turnover and are a part of the wider Chief Credit Office within our Risk Division.

We provide independent and dynamic credit assessment and portfolio monitoring in support of Relationship Managers across Corporate Solutions Group and their relevant Product Partner areas. If successful, you'll join a team responsible for the Credit Risk Management of a number of high profile clients. You'll also engage frequently with product partners and senior stakeholders. The position provides the opportunity to attend customer meetings as a key part of a deal team in support of new business opportunities.

What you can expect to do...

• Full ownership in managing a portfolio of group customers, including the analysis of complex customers and transactions.
• Proactive in taking the lead on transactions, constructively engaging with 1st and 2nd Line stakeholders (and clients/advisers where appropriate) to reshape proposals to meet bank risk appetite.
• Identifies horizon risks and actively owns the credit risks which arise and seeks to improve mitigations or de-risk.
• Supports the continued development of yourself and colleagues within Corporate Credit.
• Proactively uses internal and external data / information sources to generate meaningful insight and improve decision making.
• Eager to identify and implement change to drive efficiencies and ensure we lead the market in terms of credit risk delivery.

The skills we're looking for...

Credit risk management experience and an ability to quickly learn and adapt to new challenges. You'll also have well-developed communication and influencing skills and are happy to challenge the status quo whilst being comfortable making and explaining your decisions. Be able to balance conflicting demands with delivering to tight timescales.

Be an experienced credit professional and demonstrates financial and non-financial (including documentation / legal risks) analysis skills.

This sounds interesting, what will I get in return?

If so, and you want to be part of an independent credit risk management team within Lloyds, supporting important clients, then please get in touch, we'd love to hear from you! In return for bringing us your passion and engagement, we're offering a fun and insightful place to work and a strong platform to fulfil your career potential.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

About working for us

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture. If you’d like reasonable adjustments to be made to the recruitment process, just let us know.

Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks.  We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. 

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.