Senior Credit Officer (Director) - Services & Public Sector

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 their Services & Public Sector Credit team. This pivotal role involves driving revenue growth while maintaining a balanced risk appetite. You will oversee a diverse portfolio, engage with stakeholders, and coach your team to excel in credit management. With a strong focus on inclusivity and professional development, this position offers a dynamic environment where your contributions will shape the future of credit operations. If you're ready to make a significant impact and thrive in a collaborative setting, this opportunity is 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 management and sector-specific skills.
• Ability to lead teams and demonstrate sound judgment.

Responsibilities

• Lead a team managing credit for Higher Education and Charities.
• Negotiate complex financing proposals to meet client needs.
• Sanction credit proposals and manage direct reports.

Skills

Credit Management

Financial Analysis

Team Leadership

Stakeholder Communication

Attention to Detail

Judgment and Decision Making

Analytical Skills

Job description

About this Opportunity

An exciting opportunity to join our team in LBG’s Services & Public Sector Credit team as a Senior Credit Officer where you’ll play a leading role in helping us drive revenue growth and maintain an appropriate risk appetite to limit credit losses. As a Senior Credit Officer, you will play a leading role in driving the strategic direction of the team and delivering its core objectives.

You’ll lead a team of Senior Credit Analysts and Credit Officers which have responsibility for the credit management of a portfolio of Higher Education, Charities and overseeing the management of corporate clients within the portfolio. On any given day, a Senior Credit Officer can look forward to a variety of work such as:

• Leading discussions with originators, relationship managers, and product partners as well as Senior Sanctioners to shape credit proposals, set credit risk appetite, and maintain a balance of risk and reward.
• Negotiating and evaluating complex financing proposals to find the ones that best meet the needs of the client and which provide the bank with appropriate protection.
• Sanctioning credit proposals within a personal delegated lending discretion.
• Working in a high profile, professional, and demanding environment committed to putting people first, being bold, trusting each other and embracing our differences.
• Line Managing direct reports and playing a key role in their career development. Coaching other colleagues throughout CIB Corporate Credit.
• Setting the strategy for your asset class or portfolio and shaping the strategy of CIB Corporate Credit as a whole.
• Co-ordinating a wide variety of projects jointly with our key partners to improve processes and ways of working.

We’re renowned for nurturing and developing our team members so you’ll also be coaching colleagues, providing specialist training and helping to transition us into a risk function of the future!

What you’ll need:

• Experience of credit or sector specific skills.
• Experience of demonstrating sound judgement and decisiveness.
• Sophisticated financial and non-financial analytical skills and critical analysis skills.
• Advanced knowledge of documentary terms.
• Ability to establish strong working relationships with a variety of stakeholders.
• Demonstrable high levels of attention to detail, numeracy, and accuracy.
• Experience of leading teams and line management.
• Ability to communicate effectively at all levels and across different audiences including Senior Sanctioners on complex issues or risks, with strong written and verbal communications skills.

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.

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 have the skills and outlook we're seeking and this opportunity excites you, get in touch—we'd love you to join our team!