Credit Officer - Mid Corporate

Lloyds Banking Group; City of Edinburgh; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounts

30 days holiday

Wellbeing & parental leave

Job summary

Lloyds Banking Group is seeking a Mid Corporate Credit professional to conduct independent credit assessments, analyze cashflow-based lending opportunities, and support sanctioning decisions within a UK-based, hybrid work environment.

You will liaise with originators, RM teams and products partners to shape proposals, monitor exposures, and ensure compliance with policy. Strong analytical and communication skills are essential.

Qualifications

• Strong background in credit risk and financial analysis.
• Experience with cashflow-based lending is advantageous.
• Experience preparing credit papers for senior decision-makers.
• Excellent communication and influencing skills; able to challenge the status quo.
• Able to balance conflicting demands and meet tight deadlines.
• Demonstrate sound judgement and decision-making; strong attention to detail.
• Ability to learn quickly and adapt to new challenges.

Responsibilities

• Conduct independent credit assessments for sanctioning decisions.
• Liaise with originators, relationship managers, product partners, and clients; shape credit proposals.
• Monitor credit exposures and ensure compliance with policy and regulatory requirements.
• Perform customer, sector and market research to support credit evaluations.
• Exercise formal Credit Authority Delegation where applicable.
• Maintain records and assess transactions against Group Policy.

Skills

Credit risk

Financial analysis

Cashflow lending

Credit papers

Communication

Decision making

Time management

Collaboration

Job description

LOCATION(S): Birmingham, Edinburgh, Manchester or Leeds

HOURS: Full time

WORKING PATTERN: Hybrid, 40% (or two days) in an office location listed above

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, and this is a segment where 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. This involves the analysis of company prepared information, market due diligence, and identifying key strengths and risks. Submissions include new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.
• Liaise with originators, relationship managers, products partners, clients and where necessary shape structured credit proposals in order to maintain an acceptable balance of risk and reward.
• Monitor and control credit exposures to identify increases to the risk profile, communicating with senior Risk colleagues and sanctioners as well as other interested parties as appropriate, and to maintain compliance with LBG policy and regulatory policy.
• Undertake customer, sector and market research to ensure assessments have an external dimension and seek to apply sound judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal. This may include sensitivity analysis of internal/external cash flow models.
• This role carries a formal Credit Authority Delegation and you will be exercising this where applicable.
• Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting. You'll assess proposed transactions against Group Policy and oversight the deal origination team in the same respect.

We offer a supportive and stimulating environment where learning, teamwork and personal development are genuinely valued. You'll join a high-profile, fast-paced team with the opportunity to make a real impact, while working alongside experienced colleagues who are committed to delivering positive outcomes, embracing innovation and continually simplifying the way we work.

What you'll need:

• A strong background in credit risk and financial analysis and, ideally, experience of cashflow based lending.
• Experience in preparing credit papers for decision making by senior sanctioning officials.
• Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your recommendations.
• Ability to balance conflicting demands whilst delivering to tight timescales.
• Ability to quickly learn and adapt 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 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 and we're committed to creating an environment in which everyone can thrive, learn and develop.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, 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 throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

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

If you're excited by the opportunity to make an impact in a high-performing team and grow your career in a business-critical area, we'd love to hear from you.