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Credit Officer – Financial Institutions, Banks – Intragroup Sector
Lloyds Banking Group. Cover a portfolio of Global Banks and incorporate a forward view of horizon risks into credit papers and discussions .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit risk assessment for Banks, with a strong understanding of lending and traded products. Capable of building relationships and collaborating effectively while managing multiple priorities in a fast-paced environment.
Highest-signal resume keywords
Credit Risk AssessmentLending Products KnowledgeCredit AnalysisStakeholder Relationship ManagementNumerical Analysis
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Risk AssessmentLending Products KnowledgeCredit AnalysisCredit PoliciesTransaction RequestsDue DiligenceData IntegrityCredit TrainingFinancial Products UnderstandingSector Strategy
Soft Skills
Strong Communication SkillsOrganizational SkillsTeam PlayerInfluencing SkillsNegotiating Skills
Certifications & Qualifications
Formal Credit Training
Industry Keywords
Global BanksFinancial InstitutionsCredit PoliciesSector StrategyCollegiate WorkingHorizon RisksSecuritisationsFinancial SponsorsFunds
About the role
Key responsibilities & impact- Cover a portfolio of Global Banks and incorporate a forward view of horizon risks into credit papers and discussions
- Support new business origination within the FI growth strategy by assessing and shaping live transactions
- Conduct client due diligence meetings
- Contribute to sector strategy and appetite setting
- Contribute to changes in credit policies and processes
- Build positive relationships with Coverage and Product colleagues
- Help drive collegiate working across FI Credit
- Take ownership of data integrity
- Champion simplification initiatives
- Initially conduct credit analysis and make recommendations on lending/trading limits and new transaction requests
- Progress toward delegated credit authority and make decisions on the Banks portfolio
- Collaborate on other FI portfolios, including Insurance, Securitisations, Financial Sponsors and Funds
Requirements
What you’ll need- Sound understanding of credit risk assessment of Banks
- Robust understanding of FI sectors and products, ideally with experience of credit in Banks
- Excellent knowledge of lending and traded products and documentation
- Formal Credit training preferred
- Self-motivated and strong willingness to learn
- Ability to quickly up-skill regarding new products, sectors and external-environment changes
- Strong written and oral communication skills
- Ability to present complexity understandably
- Comfortable with numerical analysis
- Exceptional organisation skills
- Ability to juggle multiple requests, prioritise workloads and meet deadlines
- Ability to work as a team player in a dynamic, fast-paced environment
- Ability to coordinate multiple work streams and deliver against tight timelines
- Ability to build and maintain trusting stakeholder relationships
- Influencing and negotiating skills
- Full-time availability
Benefits
Comp & perks- A generous pension contribution of up to 15%
- An annual performance-related bonus
- Share schemes including free shares
- Benefits adaptable to lifestyle, such as discounted shopping
- 30 days' holiday, with bank holidays on top
- Wellbeing initiatives
- Generous parental leave policies
- Flexible working options: hybrid working and job share
- Opportunities to learn, grow and develop
- Reasonable adjustments to the recruitment process