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Full-time
professional certificate
Pension contribution up to 15%, Annual performance-related bonus, Share schemes, Discounted shopping, 30 days holiday, Wellbeing initiatives
Posted 1d ago
Apply by Aug 25
~40 hrs/week
Responsibilities
The Credit Officer will conduct credit analysis and provide recommendations on lending and trading limits for the Banks portfolio. They will also collaborate with coverage and product teams to support business origination and contribute to sector strategy and credit policy development.
Requirements
Candidates should have a sound understanding of credit risk assessment within the banking sector and experience with lending and traded products. Strong communication, numerical analysis, and organizational skills are essential for managing multiple work streams and building stakeholder relationships.
JOB TITLE: Credit Officer – Banks & Intragroup Sector 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 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 Credit Officer in the FI Credit – Banks team, you will have a primary focus in the Banks sector (including our own intragroup subsidiaries). Initially your responsibilities will include credit analysis and recommendations on lending/trading limits and new transaction requests. Over time, we aim to empower you with delegated credit authority, enabling you to make important decisions on the Banks portfolio. You will also have the opportunity to collaborate on other FI portfolios, such as Insurance, Securitisations, Financial Sponsors and Funds.
Job Description
Here's where you'll make a difference:
Covering a portfolio of Global Banks and using your insight to incorporate a forward view of horizon risks in your credit papers and discussions with partners.
Supporting new business origination within the FI growth strategy by assessing and shaping live transactions.
Conducting client due diligence meetings.
Proactively contributing to sector strategy and appetite setting, and changes to credit policies and processes.
Building positive relationships to become a trusted business partner for our Coverage and Product colleagues, and helping drive collegiate working across FI Credit.
Taking ownership of data integrity and championing simplification initiatives.
What you'll need
A sound understanding of the credit risk assessment of Banks.
Robust understanding of FI sectors and products, ideally with experience of credit in Banks
Excellent knowledge of lending and traded products and documentation.
Formal Credit training preferred.
Self-motivated and 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 communications skills - able to present complexity in an understandable way.
Comfortable with numerical analysis.
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 work as a team player in a dynamic and fast-paced work environment, including ability to coordinate multiple work streams and deliver against tight timelines.
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.
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. This is a once in a career opportunity to help shape your future as well as ours.
Join us and grow with purpose!
At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.
Our purpose is Helping Britain Prosper. We do this by creating a more sustainable and inclusive future for people and businesses, shaping finance as a force for good.
We're part of an ever-changing industry and are currently on a journey to shape the financial services of the future, whilst supporting our customers’ changing needs.
The scale and reach of our Group means we can offer a broad range of opportunities to learn, grow and develop. Our values-led culture and approach to inclusion and diversity means we can all make a real difference together.
Offices: 25 Gresham Street, London, UK EC2V 7HN, GB
How many Consulting jobs are open in City of Edinburgh, United Kingdom right now?
There are currently 441 open consulting positions in City of Edinburgh, United Kingdom listed on Clera. New openings are added daily as companies post roles.
Which companies are hiring for Consulting roles in City of Edinburgh, United Kingdom?
Companies currently hiring include AECOM, PwC, Lloyds Banking Group, AtkinsRéalis, Turner & Townsend, among others. Browse the listings above to see every active employer.
Are there remote or hybrid Consulting jobs in City of Edinburgh, United Kingdom?
Yes — 337 of the 441 open consulting positions offer remote or hybrid work (16 remote, 321 hybrid).
How do I apply for Consulting jobs in City of Edinburgh, United Kingdom?
Each listing links directly to the employer's application page. Apply early — fresh listings get the most recruiter attention in the first two weeks.