Senior Credit Officer - Mid Markets

LLOYDS BANKING GROUP

Leeds

On-site

GBP 86,000 - 101,000

Full time

14 days+

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Job summary

Lloyds Banking Group in the United Kingdom is seeking a Senior Credit Officer to lead risk assessment and sanctioning across the Mid Markets portfolio with delegated lending authority and a focus on sustainable growth.

You will shape credit policy, partner with senior stakeholders, deliver timely, well-justified decisions and develop talent in a fast-paced team, while supporting growth within the Mid Markets segment.

Qualifications

Grow: Apply credit risk appetite to support sustainable growth through the cycle, including the analysis, rating, structuring, sanctioning and monitoring of Mid Markets relationships with revenues of £50m–£500m.
Grow: Bring sophisticated financial and non-financial analysis, strong transaction structuring capability and, ideally, experience in cash flow-based lending.
Grow: Build trusted partnerships with across the Mid Markets team, translating business strategy into well-structured growth.
Grow: Provide early, solutions-oriented advice on business opportunities, balancing risk appetite with the Group’s growth ambitions.
Grow: Own the end-to-end credit process, driving continuous improvement, pace and quality of decision-making.
Grow: Champion the growth of Mid Markets credit colleagues, attracting, developing and retaining diverse talent.
Grow: Create an environment where colleagues can learn, perform and thrive, with clear focus on development, wellbeing and high standards.
Focus: Exercise delegated credit authority with confidence, sound judgement and clear accountability for decision quality.
Focus: Take ownership of portfolio growth and credit performance, proactively strengthening portfolio management and presenting clear risk insight to the wider team.
Focus: Provide credit expertise on portfolio, sector and product reviews, including concise and credible engagement with senior stakeholders.
Focus: Motivate colleagues to deliver consistently against expectations, raising performance through coaching, clarity and constructive challenge.
Focus: Support strong first-line credit stewardship, applying clear credit risk principles and providing constructive, well-evidenced challenge.
Focus: Role model LBG values and behaviours, and deputise for the Head of Credit when required.
Change: Help lead a significant change agenda across LBG, particularly in developing business with trading companies and expanding cash flow-based lending capability.
Change: Act as an ambassador for change, encouraging a growth mindset and helping teams adopt new ways of working with confidence.
Change: Drive simplification, efficiency, empowerment, automation and smarter use of data to create a faster, more effective credit experience.
What you’ll bring: A strong background in credit risk, financial analysis and cash flow-based lending, ideally gained over a minimum of 10 years.
What you’ll bring: Experience holding and exercising a material credit authority delegation.
What you’ll bring: Well-developed communication and influencing skills, with the confidence to challenge constructively and explain decisions clearly.
What you’ll bring: The ability to balance competing priorities, maintain pace and deliver high-quality outcomes under time pressure.
What you’ll bring: A curious and adaptable mindset, with the resilience to learn quickly and respond effectively to new challenges.
What you’ll bring: Sound judgement, strong decision-making, attention to detail and a collaborative approach to solving complex credit issues.

Responsibilities

Grow: Apply credit risk appetite to support sustainable growth through the cycle, including the analysis, rating, structuring, sanctioning and monitoring of Mid Markets relationships with revenues of £50m–£500m.
Grow: Bring sophisticated financial and non-financial analysis, strong transaction structuring capability and, ideally, experience in cash flow-based lending.
Grow: Build trusted partnerships with across the Mid Markets team, translating business strategy into well-structured growth.
Grow: Provide early, solutions-oriented advice on business opportunities, balancing risk appetite with the Group’s growth ambitions.
Grow: Own the end-to-end credit process, driving continuous improvement, pace and quality of decision-making.
Grow: Champion the growth of Mid Markets credit colleagues, attracting, developing and retaining diverse talent.
Grow: Create an environment where colleagues can learn, perform and thrive, with clear focus on development, wellbeing and high standards.
Focus: Exercise delegated credit authority with confidence, sound judgement and clear accountability for decision quality.
Focus: Take ownership of portfolio growth and credit performance, proactively strengthening portfolio management and presenting clear risk insight to the wider team.
Focus: Provide credit expertise on portfolio, sector and product reviews, including concise and credible engagement with senior stakeholders.
Focus: Motivate colleagues to deliver consistently against expectations, raising performance through coaching, clarity and constructive challenge.
Focus: Support strong first-line credit stewardship, applying clear credit risk principles and providing constructive, well-evidenced challenge.
Focus: Role model LBG values and behaviours, and deputise for the Head of Credit when required.
Change: Help lead a significant change agenda across LBG, particularly in developing business with trading companies and expanding cash flow-based lending capability.
Change: Act as an ambassador for change, encouraging a growth mindset and helping teams adopt new ways of working with confidence.
Change: Drive simplification, efficiency, empowerment, automation and smarter use of data to create a faster, more effective credit experience.
What you’ll bring: A strong background in credit risk, financial analysis and cash flow-based lending, ideally gained over a minimum of 10 years.
What you’ll bring: Experience holding and exercising a material credit authority delegation.
What you’ll bring: Well-developed communication and influencing skills, with the confidence to challenge constructively and explain decisions clearly.
What you’ll bring: The ability to balance competing priorities, maintain pace and deliver high-quality outcomes under time pressure.
What you’ll bring: A curious and adaptable mindset, with the resilience to learn quickly and respond effectively to new challenges.
What you’ll bring: Sound judgement, strong decision-making, attention to detail and a collaborative approach to solving complex credit issues.

Skills

Credit risk

Cash flow lending

Financial analysis

Stakeholder management

Leadership

Decision making

Job description

Agile Working Options

Job Share; Hybrid Working

Job description

JOB TITLE: Senior Credit Officer

SALARY: £85,500 - £100,500

LOCATIONS: Birmingham, Leeds, Edinburgh or Manchester

HOURS: Full-Time

WORKING PATTERN: Hybrid – Minimum two days per week (or 40% of your time) at one of the above office locations.

About the Team

The Mid Markets 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 Markets customers are UK-focused businesses with revenues of £50m – £500m per annum and this is a segment we're investing significantly to support ambitious growth plans.

About the Opportunity

This is a senior credit leadership opportunity with responsibility for identifying, evaluating and sanctioning credit risk across the strategically important Mid Markets portfolio. You will influence the evolution of credit policy and process, partner with senior partners, and ensure credit appetite and risk is clearly understood, well controlled and aligned to sustainable growth. The role carries a material delegated lending discretion, giving you authority to shape outcomes on important customer and portfolio decisions.

As LBG continues to invest in Mid Markets, this role offers an exciting opportunity to build your experience, broaden your impact and play a central role in supporting our growth plans alongside helping build a forward-looking, high-performing credit function. This is an opportunity to combine strong technical judgement with visible leadership, commercial insight and practical influence across a key area of the business.

You’ll join a supportive, high-profile and fast-paced team where your judgement and leadership will make a tangible difference. We value learning, collaboration and personal development.

Requirements of the role:

Grow

Apply credit risk appetite to support sustainable growth through the cycle, including the analysis, rating, structuring, sanctioning and monitoring of Mid Markets relationships with revenues of £50m–£500m.
Bring sophisticated financial and non-financial analysis, strong transaction structuring capability and, ideally, experience in cash flow-based lending.
Build trusted partnerships with across the Mid Markets team, translating business strategy into well-structured growth.
Provide early, solutions-oriented advice on business opportunities, balancing risk appetite with the Group’s growth ambitions.
Own the effectiveness of the end-to-end credit process, driving continuous improvement, pace and quality of decision-making.
Champion the growth of Mid Markets credit colleagues, attracting, developing and retaining diverse talent.
Create an environment where colleagues can learn, perform and thrive, with clear focus on development, wellbeing and high standards.

Focus

Exercise delegated credit authority with confidence, sound judgement and clear accountability for decision quality.
Take ownership of portfolio growth and credit performance, proactively strengthening portfolio management and presenting clear risk insight to the wider team.
Provide credit expertise on portfolio, sector and product reviews, including concise and credible engagement with senior stakeholders.
Motivate colleagues to deliver consistently against expectations, raising performance through coaching, clarity and constructive challenge.
Support strong first-line credit stewardship, applying clear credit risk principles and providing constructive, well-evidenced challenge.
Role model LBG values and behaviours, and deputise for the Head of Credit when required.

Change

Help lead a significant change agenda across LBG, particularly in developing business with trading companies and expanding cash flow-based lending capability.
Act as an ambassador for change, encouraging a growth mindset and helping teams adopt new ways of working with confidence.
Drive simplification, efficiency, empowerment, automation and smarter use of data to create a faster, more effective credit experience.

What you’ll bring:

A strong background in credit risk, financial analysis and cash flow-based lending, ideally gained over a minimum of 10 years.
Experience holding and exercising a material credit authority delegation.
Well-developed communication and influencing skills, with the confidence to challenge constructively and explain decisions clearly.
The ability to balance competing priorities, maintain pace and deliver high-quality outcomes under time pressure.
A curious and adaptable mindset, with the resilience to learn quickly and respond effectively to new challenges.
Sound judgement, strong decision-making, attention to detail and a collaborative approach to solving complex credit issues.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion, supporting our customers, colleagues and communities. We are committed to creating an environment where 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: