Senior Credit Officer (Director) - Services & Public Sector

LLOYDS BANKING GROUP; London; Hybrid; GBP 50,000 - 90,000; Full time

Job summary

An exciting opportunity awaits you in a forward-thinking organization as a Senior Credit Officer. In this pivotal role, you will lead a team responsible for managing credit for a diverse portfolio, including Higher Education and Charities. Your expertise will help shape strategic decisions, ensuring a balance between risk and reward. The company values inclusivity and diversity, fostering a supportive environment for all team members. If you are ready to make a positive impact and thrive in a dynamic setting, this role is perfect for you.

Benefits

Up to 15% pension contribution

Annual performance bonus

Share schemes including free shares

Flexible benefits like discounted shopping

30 days holiday plus bank holidays

Wellbeing initiatives and parental leave policies

Qualifications

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

Responsibilities

• Lead discussions to shape credit proposals and set risk appetite.
• Negotiate complex financing proposals while protecting bank interests.

Skills

Credit Management

Financial Analysis

Team Leadership

Analytical Skills

Communication Skills

Judgment and Decisiveness

Relationship Building

Attention to Detail

Job description

Job Description

End date: Thursday 08 May 2025

Salary range:

We support agile working: Click here for more information on agile working options.

Agile Working Options: Job Share; Hybrid Working

About this Opportunity

An exciting opportunity to join our team in LBG’s Services & Public Sector Credit team as a Senior Credit Officer. 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 shape 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 the credit management of a portfolio including Higher Education, Charities, and corporate clients. Your daily tasks may include:

• Leading discussions with originators, relationship managers, product partners, and Senior Sanctioners to shape credit proposals, set credit risk appetite, and balance risk and reward.
• Negotiating and evaluating complex financing proposals to meet client needs while protecting the bank’s interests.
• Sanctioning credit proposals within your delegated lending authority.
• Working in a high-profile, professional environment committed to diversity and inclusion.
• Line managing direct reports and supporting their career development, coaching colleagues across CIB Corporate Credit.
• Setting and shaping the strategy for your asset class or portfolio, influencing CIB Corporate Credit’s overall strategy.
• Coordinating projects with key partners to improve processes and workflows.

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

What you’ll need:

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

About working for us

We prioritize inclusivity, reflecting modern society and celebrating diversity. We want everyone to feel they belong and can thrive. Please let us know if you require reasonable adjustments during recruitment.

If you’re ready for a career where you can make a positive impact, learn, grow, and thrive, apply today!

Benefits include:

• Up to 15% pension contribution
• Annual performance bonus
• Share schemes including free shares
• Flexible benefits like discounted shopping
• 30 days holiday plus bank holidays
• Wellbeing initiatives and parental leave policies

If you have the skills and outlook we seek, and this opportunity excites you, we’d love to hear from you!