At a Glance
- Tasks: Conduct credit assessments and analyse financial data to support business growth.
- Company: Leading UK business focused on diversity, equity, and inclusion.
- Benefits: Generous pension, performance bonuses, share schemes, and 30 days holiday.
- Other info: Flexible working patterns and commitment to workplace adjustments for all.
- Why this job: Join a dynamic team shaping credit strategies for ambitious UK businesses.
- Qualifications: Strong credit risk experience and excellent communication skills required.
The predicted salary is between 67000 - 74400 £ per year.
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, analysing 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 to maintain compliance with LBG policy and regulatory policy.
- Undertake customer, sector and market research to ensure assessments have an external dimension and use sound judgement.
- Apply sensitivity analysis of internal and external cash flow models.
- Exercise a formal Credit Authority Delegation where applicable.
- Maintain records to satisfy internal and external requirements, especially data quality and statutory reporting.
- Assess proposed transactions against Group Policy and oversee the deal origination team.
What you’ll need
- Strong credit risk experience and a background in credit risk and financial analysis, ideally with 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 explain recommendations.
- Ability to balance conflicting demands while delivering to tight timescales.
- Capability to learn quickly and adapt to new challenges.
- Sound judgement, strong decision‑making skills, and attention to detail, with the ability to collaborate.
About working for us
Our ambition is to be the leading UK business for diversity, equity and inclusion. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. We are a Disability Confident Leader and guarantee interviews for applicants who meet the minimum criteria for the role with a disability, long‑term health or neurodivergent condition.
Benefits
- Generous pension contribution up to 15%
- Annual performance‑related bonus
- Share schemes including free shares
- Benefit options that can be adapted to your lifestyle, such as discounted shopping
- 30 days’ holiday, plus bank holidays
- Range of wellbeing initiatives and generous parental leave policies
Credit Officer - Mid Corporates in Leeds employer: Lloyds Bank plc
As a Credit Officer in our Mid Corporate team, you'll join a dynamic and inclusive work culture that prioritises diversity, equity, and inclusion. With generous benefits such as a pension contribution of up to 15%, performance-related bonuses, and flexible working arrangements, we are committed to supporting your professional growth and personal well-being. Our Birmingham and Leeds locations offer a vibrant environment where you can make a meaningful impact while developing your career in a supportive setting.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer - Mid Corporates in Leeds
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Lloyds Bank plc. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Officer - Mid Corporates in Leeds
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Lloyds Bank plc.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Lloyds Bank plc's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Lloyds Bank plc
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Lloyds Bank plc.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Lloyds Bank plc will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Lloyds Bank plc employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
