At a Glance
- Tasks: Lead credit assessments and make impactful decisions in a dynamic banking environment.
- Company: Join a forward-thinking financial institution redefining the future of finance.
- Benefits: Generous pension, performance bonuses, 30 days holiday, and flexible lifestyle benefits.
- Other info: Inclusive culture focused on personal development and career growth.
- Why this job: Shape the future of finance while mentoring and growing with a diverse team.
- Qualifications: Experience in credit risk assessment and strong relationship-building skills.
The predicted salary is between 60000 - 80000 £ per year.
As a Senior Credit Officer in the FI Credit – Banks team, you will look after our exciting and growing Global Banks portfolio (including our own intragroup subsidiaries). You will make recommendations on complex new transactions, lending/trading limit requests, design sector strategies, policies and processes. You will be trusted to take decisions with a sizeable, delegated credit authority and you will also lead client due diligence meetings.
We are looking for someone who can be a role model across FI Credit and build strong relationships with key partners across Coverage and Product teams. You will support and constructively challenge the front line to build a long-term sustainable business. You will mentor and upskill junior members of the team as well as reviewing their submissions to senior sanctioners. You will also have the opportunity to collaborate on other FI portfolios, such as Insurance, Securitisations, Financial Sponsors and Funds.
What you'll need:
- Significant experience in the credit risk assessment of Global Banks.
- Sound knowledge of sector trends, horizon risks and regulation.
- Excellent knowledge of lending and traded products and documentation.
- Held senior Credit Authority in past roles.
- Led client due diligence meetings.
- Formal Credit training preferred.
- Track record in independent decision making and able to communicate succinctly and efficiently in a clear and unambiguous manner.
- Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines, as well as having the confidence to flag when you might need help.
- Ability to seek out, build and maintain trusting relationships and partnerships with stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.
- A passion for change, automation and simplification.
- A real excitement for supporting and promoting team members ensuring all team members have time for personal development, up-skilling and cross training.
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. Join us and grow with purpose!
Senior Credit Officer - Banks & Intragroup Sector (Financial Institutions) in Edinburgh employer: Lloyds Banking Group
Join us as a Senior Credit Officer in the dynamic FI Credit – Banks team, where you'll play a pivotal role in shaping the future of finance. Our inclusive work culture fosters personal development and collaboration, offering extensive benefits such as a generous pension contribution, 30 days' holiday, and a commitment to diversity. With opportunities for mentorship and cross-training, you will not only advance your career but also contribute to a sustainable business environment.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Officer - Banks & Intragroup Sector (Financial Institutions) in Edinburgh
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, join relevant online forums, and don’t be shy about reaching out to current employees at companies you’re interested in. Building relationships can open doors that a CV just can’t.
✨Ace the Interview
Prepare for your interviews by researching the company and understanding their values and goals. Practice common interview questions and think about how your experience aligns with the role of a Senior Credit Officer. Remember, it’s not just about answering questions; it’s about showcasing your expertise and passion!
✨Follow Up
After an interview, don’t forget to send a thank-you email! It shows your appreciation and keeps you on their radar. Mention something specific from the conversation to remind them of your fit for the role. A little follow-up can go a long way!
✨Apply Through Our Website
When you find a job that excites you, apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are genuinely interested in joining us and contributing to our mission.
We think you need these skills to ace Senior Credit Officer - Banks & Intragroup Sector (Financial Institutions) in Edinburgh
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Credit Officer role. Highlight your experience in credit risk assessment and any relevant sector knowledge. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're excited about this role and how you can contribute to our Global Banks portfolio. Let us know what makes you the perfect fit!
Showcase Your Decision-Making Skills:In your application, emphasise your track record of independent decision-making. We’re looking for someone who can communicate clearly and confidently, so don’t hold back on sharing examples of your past successes.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Credit Risk Inside Out
Make sure you brush up on your knowledge of credit risk assessment, especially in relation to Global Banks. Be prepared to discuss sector trends and horizon risks, as well as how they impact lending decisions. This will show that you're not just familiar with the basics but are also aware of the nuances in the industry.
✨Showcase Your Decision-Making Skills
Since you'll be trusted with significant credit authority, it's crucial to demonstrate your independent decision-making abilities. Prepare examples from your past roles where you've made tough calls and how those decisions benefited the organisation. This will highlight your confidence and capability in handling complex transactions.
✨Build Relationships, Not Just Transactions
Emphasise your ability to build and maintain strong relationships with stakeholders. Think of specific instances where you've successfully influenced or negotiated outcomes. This will illustrate your interpersonal skills and your understanding of the importance of collaboration in achieving business objectives.
✨Prepare for Client Due Diligence Discussions
Since leading client due diligence meetings is part of the role, practice articulating your thoughts clearly and succinctly. Consider potential questions that might arise during these discussions and prepare your responses. This will help you feel more confident and ready to engage effectively with clients.
