Credit Officer

End Date

Friday 14 March 2025

Salary Range

£0 - £0

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

Flexible Working Options

Flexibility in when hours are worked, Hybrid Working, Job Share

Job Description Summary

JOB TITLE: Credit Officer - Banks & Intragroup 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

About this Opportunity

As a Credit Officer in FI Credit, you’ll get to work on a range of exciting sub-sectors and products as an important member of the FI - Banks Credit Team. Initially, you’ll undertake credit analysis and make recommendations on credit limits and internal ratings for clients in the Banks sector.

In time you’ll be empowered to make important decisions with a sizeable delegated credit authority and ultimately, you’ll have the opportunity to collaborate on other FI portfolios, such as Insurance, Securitisations, and Funds.

Here's where you’ll make a difference:

• Covering a portfolio of Banks and using your insight to incorporate a forward view of horizon risks in your credit papers and discussions with partners.
• Supporting new business origination within the FI growth strategy.
• Attending client due diligence meetings.
• Proactively contributing to sector strategy and appetite setting, and changes to credit policies and processes.
• Building positive relationships to become a trusted business partner for our Coverage and Product colleagues, and helping drive collegiate working across FI Credit.
• Taking ownership of data integrity and championing simplification initiatives.

About us

Join us and, as well as making a difference to customers, you’ll enjoy a fulfilling career where you’re free to be yourself. Great colleagues, transforming workspaces, hybrid working and a wide variety of career opportunities – you’ll find them all here.

What you’ll need

• A sound understanding of the credit risk assessment of Banks
• Robust understanding of FI sectors and products, ideally with experience of credit in Banks
• Self-motivated and a strong willingness to learn – able to quickly up-skill in relation to new products, sectors and changes in the external environment.
• Strong written and oral communications skills – able to present complexity in an understandable way.
• Comfortable with numerical analysis.
• Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines, as well as having the confidence to flag when you might need help.
• Ability to work as a team player in a dynamic and fast-paced work environment, including ability to coordinate multiple work streams and deliver against tight timelines.
• Ability to seek out, build and maintain trusting relationships and partnerships with stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.

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’re committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern.

We are proud to be a Disability Confident Leader. If you have a disability, you can also apply via our Disability Confident Scheme (DCS). Through the DCS, we guarantee to interview a fair and proportionate number of applicants with a disability, whose application meets the minimum criteria for the advertised job role. We also provide adjustments that are reasonable throughout the recruitment process to reduce or remove barriers for applicants with a disability, long-term health condition or neurodivergent condition. If you’d like an adjustment to the recruitment process just let us know.

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

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.