At a Glance
- Tasks: Lead credit risk assessments and build strong relationships with key partners in the Banks team.
- Company: Dynamic financial institution focused on sustainable client relationships and innovative risk management.
- Benefits: Generous pension, performance bonuses, share schemes, 30 days holiday, and wellbeing initiatives.
- Other info: Inclusive culture that celebrates diversity and supports personal development.
- Why this job: Make impactful decisions in a collaborative environment while mentoring junior team members.
- Qualifications: Significant experience in credit risk assessment and strong relationship-building skills.
The predicted salary is between 80000 - 100000 £ per year.
LOCATION: London, Birmingham, Edinburgh
HOURS: Full-time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.
An exciting opportunity has arisen for a Senior Credit Officer to join the Banks team, which forms part of the broader Financial Institutions ("FI") Credit Risk team. In FI Credit we are passionate about risk management and dedicated to supporting our business partners in building sustainable and long-lasting client relationships. We collaborate closely with Coverage and Product teams and view ourselves as business enablers. We are curious and friendly. We challenge existing ways of working and seek ways to simplify and automate, so we can focus on what matters.
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.
- Formal Credit training preferred.
- Track record in independent decision making and is 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.
Senior Credit Officer (Director) - Banks & Intragroup Sector in London employer: Lloyds Banking Group
As a Senior Credit Officer at our London, Birmingham, or Edinburgh offices, you will join a dynamic and inclusive team that values collaboration and innovation in risk management. We offer a comprehensive benefits package, including a generous pension contribution, performance-related bonuses, and 30 days of holiday, ensuring a healthy work-life balance. Our commitment to employee growth is evident through mentorship opportunities and a culture that encourages personal development, making us an excellent employer for those seeking meaningful and rewarding careers.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Officer (Director) - Banks & Intragroup Sector in London
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join online forums, or even reach out to current employees at the company you're eyeing. Building relationships can open doors that a CV just can't.
✨Ace the Interview
Prepare for your interviews by researching the company and its culture. Think about how your experience aligns with their values and be ready to share specific examples. Confidence is key, so practice your responses and don’t forget to ask insightful questions!
✨Showcase Your Skills
Don’t just talk about your qualifications; demonstrate them! Bring along a portfolio of your work or case studies that highlight your achievements. This will help you stand out and show that you’re not just all talk.
✨Follow Up
After your interview, send a thank-you email to express your appreciation for the opportunity. It’s a simple gesture that keeps you on their radar and shows your enthusiasm for the role. Plus, it’s a great chance to reiterate why you’re the perfect fit!
We think you need these skills to ace Senior Credit Officer (Director) - Banks & Intragroup Sector in London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Credit Officer. Highlight your experience in credit risk assessment and any relevant sector knowledge. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to showcase your passion for risk management and your ability to build strong relationships. Let us know why you’re excited about this opportunity and how you can contribute to our team.
Showcase Your Decision-Making Skills:In your application, emphasise your track record in independent decision-making. We’re looking for someone who can communicate clearly and confidently, so don’t shy away from sharing examples of 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. We can’t wait to hear from you!
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 genuinely passionate about the field.
✨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 business. This will highlight your capability and confidence.
✨Build Relationships Like a Pro
The role requires strong relationship-building skills, so think of ways to illustrate your ability to connect with stakeholders. Share experiences where you've successfully influenced or negotiated outcomes, and how you maintain those partnerships over time. This will show that you can be a true business enabler.
✨Embrace Change and Innovation
With a focus on automation and simplification, be ready to discuss how you've implemented changes in previous roles. Bring ideas on how you could contribute to these initiatives within the team. Showing your enthusiasm for innovation will resonate well with the interviewers.
