At a Glance
- Tasks: Lead credit risk evaluation and sanctioning for UK businesses with revenues of £50m-£500m.
- Company: Join a forward-thinking financial institution focused on sustainable growth.
- Benefits: Hybrid working, competitive salary, personal development opportunities, and a supportive team environment.
- Other info: Dynamic team culture with significant career growth potential.
- Why this job: Make a real impact in a high-profile role that shapes credit policy and business strategy.
- Qualifications: Strong credit risk analysis skills and experience in cash flow-based lending.
The predicted salary is between 72000 - 88000 £ per year.
LOCATIONS: Birmingham, Leeds, Edinburgh or Manchester HOURS: Full-Time WORKING PATTERN: Hybrid - Minimum two days per week (or 40% of your time) at one of the above office locations.
About the Team The Mid Markets 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 Markets customers are UK-focused businesses with revenues of £50m - £500m per annum and this is a segment we're investing significantly to support ambitious growth plans.
About the Opportunity This is a senior credit leadership opportunity with responsibility for identifying, evaluating and sanctioning credit risk across the strategically important Mid Markets portfolio.
You will influence the evolution of credit policy and process, partner with senior partners, and ensure credit appetite and risk is clearly understood, well controlled and aligned to sustainable growth.
The role carries a material delegated lending discretion, giving you authority to shape outcomes on important customer and portfolio decisions.
As LBG continues to invest in Mid Markets, this role offers an exciting opportunity to build your experience, broaden your impact and play a central role in supporting our growth plans alongside helping build a forward-looking, high-performing credit function.
This is an opportunity to combine strong technical judgement with visible leadership, commercial insight and practical influence across a key area of the business.
You'll join a supportive, high-profile and fast-paced team where your judgement and leadership will make a tangible difference.
We value learning, collaboration and personal development.
Requirements of the role: Grow 1.
Apply credit risk appetite to support sustainable growth through the cycle, including the analysis, rating, structuring, sanctioning and monitoring of Mid Markets relationships with revenues of £50m-£500m. 2.
Bring sophisticated financial and non-financial analysis, strong transaction structuring capability and, ideally, experience in cash flow-based lending. 3.
Build trusted partnerships with across the Mid Markets team, translating business strategy into well-structured growth. 4.
Provide early, solutions-oriented advice on business opportunities, balancing risk appetite with the Group's ...
Senior Credit Officer - Mid Markets in Manchester employer: Lloyds Banking
As a Senior Credit Officer in the Mid Markets team, you will thrive in a dynamic and supportive environment that prioritises collaboration and personal development. With a strong focus on sustainable growth, our company offers excellent benefits, including a hybrid working pattern and opportunities for professional advancement, all while being part of a high-performing team dedicated to making a tangible impact in the UK business landscape. Join us in Birmingham, Leeds, Edinburgh, or Manchester, where your leadership and judgement will be valued and rewarded.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Officer - Mid Markets in Manchester
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We think you need these skills to ace Senior Credit Officer - Mid Markets in Manchester
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.
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'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
✨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.
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✨Show Your Passion for Finance
Since this is a full-time position, employers at Lloyds Banking 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 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.
