Credit Officer, Financial Institutions Credit

Lloyds Banking Group; Guiseley; On-site; GBP 30,000 - 45,000; Full time

Job summary

A major financial institution in the UK is seeking a Credit Officer to focus on credit analysis and portfolio management. The ideal candidate will have a solid understanding of credit risk assessment, strong communication skills, and a proactive approach to relationship building. This role offers opportunities for professional growth and collaboration within teams. Join us to help shape your future alongside an inclusive environment.

Qualifications

• A sound understanding of credit risk assessment.
• Strong willingness to learn and adapt to new products and sectors.
• Ability to present complex information clearly.

Responsibilities

• Manage a portfolio and assess horizon risks in credit discussions.
• Contribute to sector strategy and credit policies.
• Build relationships to become a trusted business partner.

Skills

Credit risk assessment

Numerical analysis

Strong written and oral communication

Self-motivated learner

Job description

About this Opportunity

As a Credit Officer in FI Credit, you'll have a primary focus in one of our teams (Insurance, Securitisation, Financial Sponsors, Funds, Specialist Finance, or Banks) and initially you'll undertake credit analysis and make recommendations on lending, trading limits and internal ratings for clients.

In time we aim that you'll be empowered to make important decisions with a delegated credit authority and ultimately, you'll have the opportunity to collaborate on other FI portfolios.

Here's where you'll make a difference

• Run your own portfolio and use your insight to incorporate a forward view of horizon risks in your credit papers and discussions with partners.

• Proactively contribute to sector strategy and appetite, credit policies and processes for your own and the wider sector portfolio.

• Build positive relationships to become a trusted business partner for our well-regarded Coverage and Product colleagues and help drive collegiate working across FI Credit.

• Take ownership of data integrity and championing simplification initiatives.

What you'll need

• A sound understanding of the credit risk assessment.

• Robust understanding of FI sectors and products.

• Self-motivated with 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.

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!