Senior Credit Officer - Enterprise Credit Risk in Birmingham

Locations: London, Birmingham, Leeds

Time Type: Full time

Posted on: Posted Today

End Date: April 23, 2026

Job Requisition ID: 152121

Salary Range: £0 - £0

Flexible Working Options: Hybrid Working, Job Share

Job Description Summary:

As a Senior Credit Officer, you’ll be a Centre of Excellence for CIB and specialist portfolios, leading deep dives into complex asset classes, sectors, and products – from derivatives to financial markets. Acting as a trusted advisor and subject-matter guide, you’ll work closely with senior credit and business leaders, shaping strategy, standards and credit appetite across our organisation.

What You’ll Do:

• Craft high‐quality credit risk opinions supporting CIB strategies, risk appetite requests, scenarios, stress testing, emerging risks and regulatory/rating agency queries.
• Influence and enhance policy, reviewing and shaping CIB and specialist Credit policies, standards, portfolio mandates and complex transactions.
• Serve as the single point of contact for specialist credit queries, portfolio changes and new product proposals.
• Play a pivotal role in CIB’s Transaction Execution Committee and Markets Product Committee, reviewing proposals and providing recommendations.
• Scan the horizon for economic, market and political developments, helping the team maintain robust portfolio and policy frameworks.
• Drive innovation, leading ad‐hoc projects that enhance our reporting, appetite frameworks, and sector insights.
• Champion leadership, supporting an inclusive, skilled, high‐performing team culture.

You’ll gain substantial exposure to senior colleagues up to GEC level and develop a broad, enterprise-wide perspective across credit, from portfolio strategy and stress testing to building relationships with external participants, management, as well as perfecting your high‐impact communication.

What You’ll Bring:

• Inclusive Leadership – a genuine passion for developing talent and fostering a collaborative, hard-working team environment.
• Deep Credit Expertise – and the agility to quickly upskill across complex products in a fast-paced setting.
• Strategic Agility – the ability to balance competing priorities, operate at pace and simplify complexity.
• Exceptional Communication – confidence in shaping clear, compelling narratives for senior audiences.

This is your chance to:

• Influence decisions at the highest level
• Work across a truly pan‐LBG credit portfolio
• Be part of a forward‐thinking, collaborative team
• Make a tangible impact on how the Group manages credit risk

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.

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 aim for 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 our recruitment process, just let us know.

If you’re motivated by challenge, grow with responsibility, and want to help shape the future of credit risk at LBG, we want to hear from you.

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.

With 320 years under our belt, we’re used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers. Here, you’ll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.