Credit Officer - Mid Markets

Lloyds Banking Group; Checkendon; Hybrid; GBP 67,000 - 74,000; Full time

Benefits offered by this job

Annual bonus

Share schemes

30 days holiday

Wellbeing initiatives

Disability adjustments

Job summary

Lloyds Banking Group is seeking a Credit Officer to monitor and support a range of mid-corporate credit risk processes. You will assess creditworthiness, analyse information and prepare recommendations for sanctioning officials.

The role is hybrid with an in-office requirement and involves collaboration with multiple teams to deliver high-quality risk analysis and responsible credit decisions in a fast-paced environment.

Qualifications

• Strong credit risk experience.
• Background in credit risk and financial analysis, ideally cashflow based lending.
• Experience preparing credit papers for senior sanctioning officials.
• Clear communication and influencing skills, confident in presenting recommendations.
• Ability to balance conflicting demands and meet tight timescales.
• Demonstrate sound judgement and collaboration across teams.

Responsibilities

• Conduct independent credit assessments for sanctioning officials with company data and due diligence.
• Liaise with originators, relationship managers, products partners and clients to shape structured credit proposals.
• Monitor credit exposures and ensure compliance with policy and regulatory requirements.
• Undertake customer, sector and market research to inform assessments with external context.
• Exercise the Credit Authority Delegation where applicable and maintain records for reporting.
• Support portfolio monitoring and data quality improvements across processes.

Skills

Credit risk

Financial analysis

Cashflow lending

Credit papers

Communication skills

Decision making

Attention to detail

Stakeholder management

Job description

End Date

Monday 07 September 2026

Salary Range

£67,023 - £74,470

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

Monitor and support a range of credit risk management processes and systems including credit sanctioning decisioning. Supporting the efficient and effective production of high quality analysis, anticipating stakeholder needs.

Job Description

JOB TITLE: Credit Officer

SALARY: £67,000 - £74,400

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, 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

• Strong credit risk experience.
• 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.

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.