Credit Officer – CIB Corporate - Services & Public Sector in Edinburgh

An exciting opportunity has arisen within CIB Corporate Credit – Industry Sectors (focus on Services and Public Sector) for a Credit Officer to play a key role in delivering high‑quality, transaction‑focused credit execution in support of Lloyds Banking Group’s CIB growth ambitions.

This role sits at the heart of the credit execution lifecycle, providing robust credit analysis and timely risk insight to support new‑to‑bank transactions, new facilities and material increases across the Corporate Credit – Industry Sectors. Working closely with Coverage, Product Partners, and senior credit colleagues, you will help enable sustainable growth while ensuring alignment to the Bank’s risk appetite, credit standards, and regulatory obligations.

What you’ll be doing:

• Deliver high‑quality credit analysis and written recommendations to support new transactions and increased facility requests across the Corporate Industry Sectors.
• Act as a trusted credit business partner to Coverage and Product teams, supporting transaction execution through informed challenge and constructive risk insight.
• Contribute to out‑of‑cycle credit requests and events, applying judgement and pace in dynamic, time‑sensitive situations.
• Build and maintain sector knowledge within defined sub‑sectors, helping define sector appetite, and contributing insight to sector deep‑dives, Enterprise Credit Risk (ECR) requests and thematic reviews.
• Support effective risk stewardship, including emerging risk identification and escalation, watchlist input, as well as engagement with audit or review activity where required.
• Collaborate with colleagues across CIB Corporate Credit, including offshore and centralised teams, to support strong data quality, portfolio hygiene, and efficient execution.
• Play an active role in the evolution of credit execution, embracing process improvement, digital tools, and the adoption of AI to enhance effectiveness and consistency.
• Support the development of colleagues through coaching, knowledge‑sharing and informal leadership (with line management responsibility depending on team structure).
• Sanctioning/ approving credit proposals applying expert judgement thoughtfully and carefully within your delegated credit authority.

Skills and experience:

• Essential:
• Experience in corporate credit risk, ideally within a transaction‑driven environment.
• Strong financial analysis and modelling skills, with advanced Excel capability and the ability to interpret and challenge complex financial information.
• Solid understanding of credit risk principles, bank risk appetite, and governance frameworks.
• Confident, clear communicator with strong written and verbal skills, able to articulate judgement and recommendations to a range of stakeholders.
• Strong stakeholder management skills and the ability to work collaboratively across functions.
• High levels of attention to detail, sound judgement, and the ability to manage multiple priorities in a dynamic and fast paced environment.
• Desirable:
• Experience within Higher Education and Charities.
• Exposure to complex or time‑critical credit situations.
• A keen interest in continuous improvement, digital innovation, and the future of credit risk.
• Previously operated with a delegated credit authority.
• Understanding of derivative products and transactional banking products.

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 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 our recruitment process, just let us know. This is a once in a career opportunity to help shape your future as well as ours.

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'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.