Credit Officer - Mid Markets

End Date: Thursday 30 July 2026

We support flexible working – click here for more information on flexible working options.

Flexible Working Options: Hybrid Working, Job Share

Location(s): Birmingham, Edinburgh, Manchester or Leeds.

Hours: Full time. Working pattern: Hybrid, 40% (or two days) in an office location.

About this opportunity

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, a segment in which 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.

• What you’ll be doing
• Conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made, involving analysis of company‑prepared information, market due diligence, and identification of key strengths and risks.
• Prepare submissions for new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.
• Liaise with originators, relationship managers, product partners, clients and shape structured credit proposals to maintain an acceptable balance of risk and reward.
• Monitor and control credit exposures, identify increases to the risk profile, communicate with senior risk colleagues and sanctioners, and maintain compliance with LBG policy and regulatory policy.
• Undertake customer, sector and market research to ensure assessments have an external dimension and apply sound judgement to include relevant material when evaluating the strengths and weaknesses of a lending proposal, possibly including sensitivity analysis of internal/external cash‑flow models.
• Exercise a formal Credit Authority Delegation where applicable.
• Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting; assess proposed transactions against Group Policy and oversee the deal origination team.
• What you’ll need
• Strong credit risk experience and a background in credit risk and financial analysis, ideally with cash‑flow based lending.
• Experience preparing credit papers for decision‑making by senior sanctioning officials.
• Well‑developed communication and influencing skills, confident to challenge the status quo and capable of explaining recommendations.
• Ability to balance conflicting demands while delivering to tight timescales and to learn and adapt quickly 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 is 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.

We are committed to creating an environment where everyone can thrive, learn and develop.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns.

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 througho
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