Senior Credit Officer (Director) - CIB Corporate - Energy, Commodities, Utilities & Industrials

Lloyds Banking Group; London; On-site; GBP 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a Senior Credit Officer to lead its Energy, Commodities, Utilities, and Industrials Credit team. In this pivotal role, you will drive revenue growth while managing a diverse portfolio of corporate clients. You will lead a team of analysts, shape credit proposals, and negotiate complex financing solutions. The company offers a comprehensive benefits package and is committed to fostering an inclusive environment that values diversity and personal growth. If you’re ready to take on this exciting challenge, we want to hear from you!

Benefits

Up to 15% pension contribution

Annual performance bonus

Share schemes, including free shares

Lifestyle benefits such as shopping discounts

30 days’ holiday plus bank holidays

Wellbeing initiatives

Parental leave policies

Qualifications

• Experience in credit or sector-specific skills is essential.
• Strong financial and non-financial analytical skills required.

Responsibilities

• Lead discussions to shape credit proposals and set risk appetite.
• Negotiate complex financing proposals while protecting bank interests.
• Manage direct reports and contribute to their career development.

Skills

Credit Management

Financial Analysis

Leadership

Negotiation

Critical Thinking

Relationship Building

Attention to Detail

Job description

An exciting opportunity to join our team in LBG’s Energy, Commodities, Utilities and Industrials Credit team as a Senior Credit Officer, where you’ll play a leading role in driving revenue growth and maintaining an appropriate risk appetite to limit credit losses. You will also lead the strategic direction of the team and deliver its core objectives.

You’ll lead a team of Senior Credit Analysts and Credit Officers responsible for credit management of a portfolio of Industrials and overseeing corporate clients within the portfolio. Additionally, you will support your peers across Energy, Commodities, and Utilities. Your daily tasks may include:

1. Leading discussions with originators, relationship managers, product partners, and Senior Sanctioners to shape credit proposals, set risk appetite, and balance risk and reward.
2. Negotiating and evaluating complex financing proposals to meet client needs while protecting the bank’s interests.
3. Sanctioning credit proposals within your delegated lending authority.
4. Working in a high-profile, professional, and demanding environment that values people, boldness, trust, and diversity.
5. Managing direct reports and contributing to their career development, including coaching colleagues across CIB Corporate Credit.
6. Setting asset class or portfolio strategies and influencing the broader CIB Corporate Credit strategy.
7. Collaborating on projects to improve processes and workflows with key partners.

We are committed to nurturing our team members, providing coaching, training, and supporting your transition into a future-focused risk function.

What you’ll need:

• Experience in credit or sector-specific skills.
• Sound judgment and decisiveness.
• Strong financial and non-financial analytical skills and critical thinking.
• Advanced knowledge of documentary terms.
• Ability to build relationships with diverse stakeholders.
• High attention to detail, numeracy, and accuracy.
• Leadership and line management experience.
• Effective communication skills across all levels, including complex discussions with Senior Sanctioners.

We also offer a comprehensive benefits package, including:

• Up to 15% pension contribution
• Annual performance bonus
• Share schemes, including free shares
• Lifestyle benefits such as shopping discounts
• 30 days’ holiday plus bank holidays
• Wellbeing initiatives and parental leave policies

We are dedicated to supporting your growth, both professionally and personally, and fostering an inclusive environment that celebrates diversity. If you require reasonable adjustments during the recruitment process, please let us know.

If you’re excited about joining our team, we’d love to hear from you. Get in touch!