Credit Officer - CIB Corporate - Business & Professional Services

Lloyds Banking Group; London; On-site; GBP 50,000 - 80,000; Full time

Job summary

An established industry player is seeking a Credit Officer to join their dynamic Corporate Credit team. This role offers the chance to manage a diverse portfolio of high-profile clients, engage with senior stakeholders, and lead transactions that drive business growth. You will be responsible for credit risk management, providing insights, and implementing changes to enhance efficiency. In return, you'll enjoy a supportive work environment with a strong benefits package, including generous pension contributions and ample holiday. If you're passionate about making a difference in credit risk management, this is the perfect opportunity for you.

Benefits

Generous pension contribution up to 15%

Annual performance-related bonus

Share schemes including free shares

Discounted shopping benefits

30 days’ holiday plus bank holidays

Wellbeing initiatives

Generous parental leave policies

Qualifications

• Experience in credit risk management and ability to adapt to new challenges.
• Strong communication and influencing skills.

Responsibilities

• Manage a portfolio of group customers and analyze complex transactions.
• Identify and mitigate credit risks while engaging with stakeholders.

Skills

Credit risk management

Communication skills

Financial analysis

Legal risk analysis

Job description

Here at Lloyds Banking Group, the CIB Corporate Credit team have an opportunity for a Credit Officer within the Business & Professional Services Credit Team. We look after high profile and sophisticated clients generating a minimum of £100m in turnover and are a part of the wider Chief Credit Office within our Risk Division.

We provide independent and dynamic credit assessment and portfolio monitoring in support of Relationship Managers across Corporate Solutions Group and their relevant Product Partner areas. If successful, you'll join a team responsible for the Credit Risk Management of a number of high profile clients. You'll also engage frequently with product partners and senior stakeholders. The position provides the opportunity to attend customer meetings as a key part of a deal team in support of new business opportunities.

What you can expect to do...

• Full ownership in managing a portfolio of group customers, including the analysis of complex customers and transactions.
• Proactive in taking the lead on transactions, constructively engaging with 1st and 2nd Line stakeholders (and clients/advisers where appropriate) to reshape proposals to meet bank risk appetite.
• Identifies horizon risks and actively owns the credit risks which arise and seeks to improve mitigations or de-risk.
• Supports the continued development of yourself and colleagues within Corporate Credit.
• Proactively uses internal and external data / information sources to generate meaningful insight and improve decision making.
• Eager to identify and implement change to drive efficiencies and ensure we lead the market in terms of credit risk delivery.

The skills we're looking for...

Credit risk management experience and an ability to quickly learn and adapt to new challenges. You'll also have well-developed communication and influencing skills and are happy to challenge the status quo whilst being comfortable making and explaining your decisions. Be able to balance conflicting demands with delivering to tight timescales.

Be an experienced credit professional and demonstrates financial and non-financial (including documentation / legal risks) analysis skills.

This sounds interesting, what will I get in return?

If so, and you want to be part of an independent credit risk management team within Lloyds, supporting important clients, then please get in touch, we'd love to hear from you! In return for bringing us your passion and engagement, we're offering a fun and insightful place to work and a strong platform to fulfil your career potential.

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

About working for us

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 be made to the recruitment process, just let us know.

Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more.