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Credit Officer – Mid Corporate
Lloyds Banking Group. Conduct independent credit assessments for presentation to sanctioning officials .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates strong credit risk assessment capabilities, including financial analysis and cashflow-based lending expertise. Proficient in preparing credit papers for senior decision-making and maintaining compliance with internal and external reporting standards.
Highest-signal resume keywords
Credit Risk ExperienceFinancial AnalysisCashflow-Based LendingCredit Paper PreparationDecision-Making Skills
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 AssessmentMarket Due DiligenceSensitivity AnalysisCredit Authority DelegationData Quality Management
Soft Skills
Communication SkillsInfluencing SkillsJudgementAttention to DetailCollaboration
Industry Keywords
Credit RiskLending ProposalsRisk Profile MonitoringStatutory ReportingGroup Policy Compliance
About the role
Key responsibilities & impact- Conduct independent credit assessments for presentation to sanctioning officials
- Analyse company-prepared information and conduct market due diligence
- Identify key strengths and risks in new lending, increased lending, variations, restructures and annual credit reviews
- Liaise with originators, relationship managers, product partners and clients
- Shape structured credit proposals to balance risk and reward
- Monitor and control credit exposures and identify increases in risk profile
- Communicate with senior Risk colleagues, sanctioners and other relevant parties
- Undertake customer, sector and market research
- Apply judgement when evaluating lending proposals, including sensitivity analysis of cash-flow models
- Exercise formal Credit Authority Delegation where applicable
- Maintain records for internal and external requirements, including data quality and statutory reporting
- Assess proposed transactions against Group Policy and oversee the deal origination team in this respect
Requirements
What you’ll need- Strong credit risk experience
- Strong background in credit risk and financial analysis
- Ideally, experience of cashflow-based lending
- Experience preparing credit papers for decision-making by senior sanctioning officials
- Well-developed communication and influencing skills
- Confidence challenging the status quo and explaining recommendations
- Ability to balance conflicting demands while delivering to tight timescales
- Ability to quickly learn and adapt to new challenges
- Sound judgement and strong decision-making skills
- Good attention to detail and ability to collaborate
Benefits
Comp & perks- Flexible working options, including hybrid working and job share
- Pension contribution of up to 15%
- Annual performance-related bonus
- Share schemes including free shares
- Benefits adaptable to lifestyle, such as discounted shopping
- 30 days’ holiday, plus bank holidays
- Wellbeing initiatives
- Generous parental leave policies
- Reasonable workplace adjustments, including flexibility in office attendance, location and working patterns
- Reasonable adjustments throughout the recruitment process
- Disability Confident Scheme interview guarantee for qualifying applicants