Credit Officer – Mid Corporate

Lloyds Banking Group

. Conduct independent credit assessments for presentation to sanctioning officials .

Posted 10/14/2026full-timeBirmingham • United KingdomMid-LevelSenior💰 £67,023 - £74,470 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong credit risk assessment capabilities, including financial analysis and cashflow modeling, while effectively communicating and influencing stakeholders. Maintains a high level of attention to detail and sound judgement in decision-making processes.

Highest-signal resume keywords

Credit Risk ExperienceFinancial AnalysisCashflow Based LendingCredit Paper PreparationCommunication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentFinancial AnalysisCashflow ModelingSensitivity AnalysisCredit Authority DelegationData Quality ManagementStatutory ReportingMarket ResearchCredit Proposal StructuringRisk Monitoring

Soft Skills

Communication SkillsInfluencing SkillsDecision-Making SkillsAttention to DetailAdaptability

Industry Keywords

Credit RiskFinancial MarketsLending ProposalsDeal OriginationGroup Policy Compliance

About the role

Key responsibilities & impact

Conduct independent credit assessments for presentation to sanctioning officials
Analyse company-prepared information and market due diligence, identifying key strengths and risks
Prepare submissions for new-to-bank business, 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 the risk profile
Communicate with senior Risk colleagues, sanctioners and other interested parties
Undertake customer, sector and market research
Apply sound judgement when evaluating lending proposals, including sensitivity analysis of cashflow 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 to challenge the status quo and explain 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
Financial markets experience would be an advantage, but is not essential

Benefits

Comp & perks

Flexible working options: Hybrid Working, 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, with bank holidays on top
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 a fair and proportionate number of applicants meeting minimum criteria