At a Glance
- Tasks: Conduct credit assessments and shape structured credit proposals for UK businesses.
- Company: Leading UK business focused on diversity, equity, and inclusion.
- Benefits: Generous pension, performance bonuses, share schemes, and 30 days holiday.
- Other info: Flexible hybrid working options and commitment to employee wellbeing.
- Why this job: Join a dynamic team and make impactful decisions in credit risk management.
- Qualifications: Strong credit risk experience and excellent communication skills required.
The predicted salary is between 67023 - 74470 £ per year.
End Date: Thursday 30 July 2026
Salary Range: £67,023 – £74,470
Flexible Working Options: Hybrid Working, Job Share
Location(s): Birmingham, Edinburgh, Manchester or Leeds
Hours: Full time
Working Pattern: Hybrid, 40% (or two days) in an office location
About this opportunity
The Mid Corporate Credit team works in close partnership with Coverage and Product teams to deliver responsible, sustainable credit risk solutions that help both our customers and our business grow. Our Mid Corporate customers are UK-focused businesses with revenues of £25m–£500m per annum, and this is a segment where we are investing significantly to support ambitious growth plans. With Mid Corporate growth a core priority for the Group, this role offers an exciting opportunity to build your experience, broaden your impact, and develop your career across the wider Chief Credit Office and the Group.
We play a pivotal role in shaping credit process, policy and strategy, assessing customer creditworthiness, structuring and sanctioning transactions, and monitoring portfolio performance.
What you’ll be doing
- Conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made, involving the analysis of company prepared information, market due diligence, and identifying key strengths and risks.
- Prepare submissions for new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.
- Liaise with originators, relationship managers, product partners, clients and shape structured credit proposals to maintain an acceptable balance of risk and reward.
- Monitor and control credit exposures, communicating with senior Risk colleagues and sanctioners as appropriate, to maintain compliance with LBG policy and regulatory policy.
- Undertake customer, sector and market research to ensure assessments have an external dimension and apply sound judgement, including sensitivity analysis of internal/external cash flow models.
- Exercise the formal Credit Authority Delegation where applicable and maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting.
- Assess proposed transactions against Group Policy and oversee the deal origination team in the same respect.
What you’ll need
- Strong credit risk experience and a strong background in credit risk and financial analysis, ideally with experience of cash‑flow based lending.
- Experience preparing credit papers for decision making by senior sanctioning officials.
- Well‑developed communication and influencing skills, confident to challenge the status quo and comfortable making and explaining recommendations.
- Ability to balance competing demands whilst delivering to tight timescales, quickly learn and adapt to new challenges.
- Demonstrated sound judgement, strong decision‑making skills, good attention to detail and the ability to collaborate across teams.
- Financial markets experience would be an advantage, but is not essential.
About working for us
Our ambition is to be the leading UK business for diversity, equity and inclusion, supporting our customers, colleagues and communities. We’re committed to creating an environment in which everyone can thrive, learn and develop, with initiatives such as a dedicated Working with Cancer Initiative and a menopause health package.
We offer reasonable workplace adjustments for colleagues with disabilities and are a Disability Confident Leader, guaranteeing interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long‑term health or neurodivergent condition through the Disability Confident Scheme.
Benefits
- Generous pension contribution of up to 15%
- Annual performance‑related bonus
- Share schemes including free shares
- Adaptable benefits such as discounted shopping
- 30 days’ holiday, with bank holidays on top
- Range of wellbeing initiatives and generous parental leave policies
Equal Opportunity Statement
We are an Equal Opportunity Employer. All employment is decided on the basis of merit, qualifications and experience, without regard to race, colour, religion, age, gender, sexual orientation, disability, marital or civil partnership status, or any other protected characteristic.
Credit Officer - Mid Markets employer: Lloyds Bank plc
Lloyds Banking Group is an exceptional employer, offering a dynamic work environment in Cardiff that fosters professional growth and collaboration. With a competitive salary package, generous benefits including a robust pension scheme and flexible working options, employees are empowered to thrive both personally and professionally. The company prioritises inclusivity and well-being, ensuring that all team members can achieve their full potential while making a meaningful impact in the SME banking sector.
