Senior Credit Officer - Banks & Intragroup Sector (Financial Institutions)

End Date

Tuesday 11 August 2026

Salary Range

£0 - £0

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

JOB TITLE: Senior Credit Officer (Director)– Banks & Intragroup Sector
LOCATION: London, Birmingham, Edinburgh
HOURS: Full-time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

An exciting opportunity has arisen for a Senior Credit Officer to join the Banks team, which forms part of the broader Financial Institutions (“FI”) Credit Risk team.

In FI Credit we are passionate about risk management and dedicated to supporting our business partners in building sustainable and long-lasting client relationships. We collaborate closely with Coverage and Product teams and view ourselves as business enablers. We are curious and friendly. We challenge existing ways of working and seek ways to simplify and automate, so we can focus on what matters.

Job Description

As aSeniorCredit Officer intheFI Credit–Banksteam, you willlookafterourexciting and growingGlobal Banks portfolio(includingour own intragroupsubsidiaries).You willmake recommendations on complexnewtransactions,lending/trading limit requests,designsector strategies, policies and processes.Youwill be trusted to take decisions with a sizeable, delegated credit authorityand you will also lead client due diligence meetings.

We are looking forsomeonewho can be a role model across FI Credit and build strong relationships with key partnersacross Coverage and Product teams.You will support and constructively challenge the front line to build a long-term sustainable business.

You will mentor and upskilljunior members of the teamas well as reviewing their submissions toseniorsanctioners. You will alsohave the opportunity tocollaborate on other FI portfolios, such as Insurance, Securitisations,Financial Sponsorsand Funds.

What you’ll need

• Significant experienceinthe credit riskassessmentofGlobal Banks.Sound knowledge of sector trends, horizon risks and regulation.
• Excellent knowledge of lendingand tradedproducts and documentation.
• Held senior Credit Authority in past roles.
• Led client due diligence meetings.
• Formal Credit training preferred.
• Track-record in independent decision making andis able tocommunicate succinctly and efficiently in a clear and unambiguous manner.
• Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines, as well as having the confidence to flag when you might need help.
• Ability to seek out, build and maintain trusting relationships and partnerships with stakeholdersin order toaccomplish key business objectives, using influencing and negotiating skills to achieve outcomes.
• A passion for change, automation and simplification.
• A real excitement for supporting and promoting team members ensuring all team members have time for personal development, up-skilling and cross training.

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

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.

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.

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