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 diversity and inclusion.
- Why this job: Join a high-performing team and make a real impact in credit risk solutions.
- Qualifications: Strong background in credit risk, financial analysis, and excellent communication skills.
The predicted salary is between 67000 - 74400 £ per year.
Overview
SALARY: £67,000 - £74,400
LOCATION(S): Birmingham, Edinburgh, Manchester or Leeds
HOURS: Full time
WORKING PATTERN: Hybrid, 40% (or two days) in an office location
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.
Responsibilities
- Conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made. This involves the analysis of company prepared information, market due diligence, and identifying key strengths and risks. Submissions include new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.
- Liaise with originators, relationship managers, products partners, clients and where necessary shape structured credit proposals in order to maintain an acceptable balance of risk and reward.
- Monitor and control credit exposures to identify increases to the risk profile, communicating with senior Risk colleagues and sanctioners as well as other interested parties as appropriate, and to maintain compliance with LBG policy and regulatory policy.
- Undertake customer, sector and market research to ensure assessments have an external dimension and seek to apply sound judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal. This may include sensitivity analysis of internal/external cash flow models.
- This role carries a formal Credit Authority Delegation and you will be exercising this where applicable.
- Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting. You'll assess proposed transactions against Group Policy and oversight the deal origination team in the same respect.
Qualifications
- A strong background in credit risk and financial analysis and, ideally, experience of cashflow based lending.
- Experience in preparing credit papers for decision making by senior sanctioning officials.
- Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your recommendations.
- Ability to balance conflicting demands whilst delivering to tight timescales.
- Ability to quickly learn and adapt to new challenges.
- Demonstrate sound judgement, strong decision-making skills, good attention to detail and the ability to collaborate.
- Financial markets experience would be an advantage, but not essential.
About working for us
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we're committed to creating an environment in which everyone can thrive, learn and develop. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.
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
If you're excited by the opportunity to make an impact in a high-performing team and grow your career in a business-critical area, we'd love to hear from you.
Credit Officer - Mid Markets in Leeds 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.
