At a Glance
- Tasks: Analyse credit risks and make impactful lending decisions for global banks.
- Company: Join Lloyds Banking Group, a leader in financial services with a commitment to diversity.
- Benefits: Enjoy a generous pension, performance bonuses, share schemes, and 30 days holiday.
- Other info: Dynamic team environment with opportunities for growth and learning.
- Why this job: Shape the future of banking while building valuable relationships and enhancing your skills.
- Qualifications: Understanding of credit risk and strong communication skills are essential.
The predicted salary is between 50000 - 70000 £ per year.
As a Credit Officer in the FI Credit – Banks team, you focus on credit analysis and recommendations on lending/trading limits and new transaction requests. Over time you will gain delegated credit authority enabling you to make important decisions on the Banks portfolio and collaborate across FI portfolios.
Responsibilities
- Cover a portfolio of Global Banks, incorporating forward‑looking risk analysis in credit papers and discussions.
- Support new business origination within the FI growth strategy by assessing and shaping live transactions.
- Conduct client due‑diligence meetings.
- Proactively contribute to sector strategy, appetite setting, and credit policy changes.
- Build positive relationships and serve as a trusted business partner for Coverage and Product colleagues.
- Take ownership of data integrity and champion simplification initiatives.
Qualifications
- Sound understanding of credit risk assessment of Banks.
- Robust understanding of FI sectors and products, ideally with credit experience in Banks.
- Excellent knowledge of lending and traded products and documentation.
- Formal credit training preferred.
- Self‑motivated and strong willingness to learn; able to up‑skill quickly.
- Strong written and oral communication skills; able to present complexity understandably.
- Comfortable with numerical analysis.
- Exceptional organisational skills; able to juggle multiple requests, prioritise work, and meet deadlines.
- Team player in a dynamic, fast‑paced environment; coordinating multiple work streams with tight timelines.
- Ability to build and maintain trusting relationships and influence stakeholders to achieve outcomes.
Benefits
- Generous pension contribution up to 15%.
- Annual performance‑related bonus.
- Share schemes including free shares.
- 30 days holiday plus bank holidays.
- Well‑being initiatives and generous parental leave policies.
Equal Opportunity Statement
Lloyds Banking Group is an equal‑opportunity employer. We welcome applicants of all backgrounds and make reasonable adjustments to the recruitment process when needed.
Credit Officer - Banks & Intragroup Sector (Financial Insitutions) employer: Lloyds Banking Group
Lloyds Banking Group is an exceptional employer, offering a dynamic work environment where Credit Officers can thrive through meaningful engagement with global banks. With generous benefits such as a substantial pension contribution, performance-related bonuses, and a strong focus on employee well-being, the company fosters a culture of growth and collaboration, empowering employees to develop their skills and build lasting relationships within the financial sector.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer - Banks & Intragroup Sector (Financial Insitutions)
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. Building relationships can open doors that a CV just can't.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their values and how you can contribute to their goals. This will help you stand out as a candidate who truly gets them.
✨Tip Number 3
Practice your pitch! Be ready to explain your experience and how it relates to the role of a Credit Officer. Keep it concise but impactful – you want to leave a lasting impression.
✨Tip Number 4
Don’t forget to follow up after interviews! A simple thank-you email can go a long way in showing your enthusiasm and professionalism. Plus, it keeps you on their radar.
We think you need these skills to ace Credit Officer - Banks & Intragroup Sector (Financial Insitutions)
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Officer role. Highlight your experience with credit risk assessment and any relevant financial institutions knowledge. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how you can contribute to our team. Keep it concise but impactful, showing us your personality and motivation.
Showcase Your Analytical Skills:Since this role involves numerical analysis, be sure to mention any relevant experience or projects where you've demonstrated strong analytical skills. We love seeing how you tackle complex problems and make informed decisions!
Apply Through Our Website:Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it gives you a chance to explore more about StudySmarter and what we stand for.
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Credit Risk Inside Out
Make sure you brush up on your understanding of credit risk assessment, especially in relation to banks. Be prepared to discuss specific examples from your experience that demonstrate your analytical skills and how you've approached credit decisions in the past.
✨Showcase Your Communication Skills
Since strong written and oral communication skills are crucial for this role, practice explaining complex financial concepts in a simple way. You might even want to prepare a few scenarios where you successfully communicated with stakeholders or influenced decisions.
✨Demonstrate Your Organisational Skills
Be ready to talk about how you manage multiple tasks and prioritise effectively. Think of examples where you successfully juggled various requests under tight deadlines, as this will show your ability to thrive in a fast-paced environment.
✨Build Relationships Like a Pro
This role requires you to build and maintain trusting relationships. Prepare to discuss how you've done this in previous roles, particularly with colleagues from different teams. Highlight any initiatives you've taken to foster collaboration and trust.
