At a Glance
- Tasks: Lead credit risk management for Financial Sponsor clients and shape sector strategy.
- Company: Dynamic financial institution focused on sustainable growth and innovation.
- Benefits: Generous pension, performance bonuses, share schemes, and 30 days holiday.
- Other info: Inclusive workplace with opportunities for professional growth and development.
- Why this job: Make a real impact in financial risk management while developing your leadership skills.
- Qualifications: Bachelor's degree in finance or related field; experience in credit risk management required.
The predicted salary is between 60000 - 75000 £ per year.
Job Summary
Lead the independent assessment, approval and ongoing management of credit risk across a portfolio of Financial Sponsor clients, covering subscription finance, NAV lending, derivatives, liquidity and other related products.
Shape sector strategy, risk appetite, policy and portfolio management practices, providing robust challenge to business stakeholders while supporting sustainable growth.
Operate as a senior leader within Financial Sponsors, exercising delegated credit authority and deputising for the Sector Head when required.
Key Responsibilities
Manage a portfolio of Financial Sponsor relationships, incorporating forward‑looking analysis of market, sector and idiosyncratic risks into credit decisions and portfolio strategy.
Drive the development of sector strategy, risk appetite, mandates, policies and portfolio management practices in the Financial Sponsors Credit portfolio.
Build and maintain trusted relationships with senior stakeholders across Coverage, Product, Risk and Credit functions, becoming a recognised adviser on Financial Sponsors risk, market developments and transaction structuring.
Lead continuous improvement initiatives across data quality, controls, management information and credit processes, ensuring robust governance, efficient execution and effective use of management information.
Essential Skills & Experience
- Expert credit underwriting and approval skills, with the ability to assess, structure and approve complex transactions and relationships.
- Deep understanding of Financial Sponsors, Fund Finance structures, lending products, counterparty credit risk and associated legal frameworks.
- Self‑motivation with a strong willingness to learn, able to quickly up‑skill in relation to new products, sectors and changes in the external environment.
- Strong written and oral communication skills – able to present complexity in an understandable way.
- Expertise in numerical analysis.
- A coach for other members of the department, with a commitment to help upskill colleagues.
- Curiosity – a desire to understand how external changes might affect clients and colleagues.
- Proven ability to influence and challenge senior stakeholders while balancing commercial objectives and risk discipline.
- Strong leadership presence with the ability to drive decision‑making, build consensus and deliver strategic outcomes.
- Professional Experience
- Significant experience in Fund Finance and/or Financial Sponsors credit risk management gained within 1LOD and/or 2LOD environments.
- Extensive experience in credit underwriting, transaction structuring, delegated credit approval and portfolio management.
- Strong understanding of lending products, derivative products and associated legal documentation within Financial Sponsors and Fund Finance structures.
Qualifications
- Minimum: Bachelor’s degree in Finance, Economics, Accounting, Mathematics or a related discipline, or equivalent experience.
- Professional qualifications such as CFA, ACA, ACCA, FRM or equivalent are desirable.
- Employment Equality
We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers.
Let us know what you need.
We are committed to building an inclusive workplace where all colleagues can thrive.
Benefits
- 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
- #J-18808-Ljbffr
Senior Credit Officer in England employer: LLOYDS BANKING GROUP
Lloyds Banking Group is an exceptional employer that prioritises employee well-being and professional growth, offering a dynamic work culture that fosters collaboration and innovation. With the flexibility of remote working and opportunities for career advancement within the Economic Crime Prevention function, employees can thrive in a supportive environment while contributing to meaningful compliance efforts. The company's commitment to diversity and inclusion further enhances its appeal, making it a rewarding place to build a career.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Officer in England
✨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 BANKING GROUP. 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 Senior Credit Officer in England
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 BANKING GROUP.
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 BANKING GROUP'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 BANKING GROUP
✨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 BANKING GROUP.
✨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 BANKING GROUP 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 BANKING GROUP 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.
