Lloyds Banking Group
Credit Officer - Mid Corporates
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
Credit Officer
Job Title & Details
Title: Credit Officer Salary: £67,000 – £74,400 Location: Birmingham or Leeds Hours: Full-time Working Pattern: Hybrid (40% in-office or two days per week)
About the Role
The Mid Corporate Credit team collaborates closely with Coverage and Product teams to deliver responsible, sustainable credit risk solutions that drive growth for both customers and the group.
Our Mid Corporate customers are UK-based businesses with revenues ranging from £25m–£500m per annum. This segment is experiencing significant investment to support ambitious growth plans, making this a critical strategic focus for the Group.
This position offers an exciting opportunity to develop your career across the Chief Credit Office and the wider Group. Key responsibilities include:
- Shaping credit processes, policies, and strategy
- Assessing customer creditworthiness
- Structuring and sanctioning transactions
- Monitoring and managing portfolio performance
Key Responsibilities
- Conduct independent credit assessments for sanctioning officials, including:
- Analysis of company financial documents
- Market due diligence
- Evaluation of key strengths and risks (e.g., new lending, increased facility requests, restructures, and annual reviews)
- Collaborate with originators, relationship managers, product partners, and clients to shape structured credit proposals, balancing risk and reward
- Monitor and control credit exposures, identifying risk changes and ensuring compliance with LBG policy and regulatory requirements
- Understand customer, sector, and market dynamics, applying sound judgment to assess lending proposals (including cash flow sensitivity analysis)
- Exerce a formal Credit Authority Delegation where applicable
- Maintain precise records for regulatory, legal, and reporting needs
- Align transactions with Group Policy, overseeing deal origination teams accordingly
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Join a fast-paced, results-driven team that values learning, collaboration, and innovation while delivering impactful outcomes.
Requirements
- Strong credit risk experience
- Knowledge of cash flow-based lending and financial analysis (essential)
- Experience preparing credit papers for senior sanctioning officials
- Developed communication and influencing skills – confident in challenging norms, making recommendations, and fostering influencing conversations
- Ability to balance conflicting priorities under tight deadlines
- Strong learning adaptive, and judgment-driven mindset
- Demonstrates attention to detail and collaborative decision-making
About Working With Us
Inclusion & Diversity
We strive to be the leading UK business for diversity, embedding equity and inclusion across our customer experience, workforce, and communities.
Highlighted initiatives include:
- Senior leadership diversity goals
- A menopause health package
- The Working with Cancer Initiative
Get help with your application
Your very own career expert that helps elevate your application to the next level.
Accessibility & Adjustments
As a Disability Confident Leader, we commit to:
- Offering reasonable workplace adjustments, such as flexible working patterns and offices
- Guaranteeing interviews for applicants with disabilities who meet the criteria
Benefits (Beyond Salary)
| Benefit Category | Offered Include |
|---|---|
| Pension & Long-Term | Up to 15% pension contribution |
| Reward | Annual performance-related bonus |
| Share Scheme | Free shares and discounted schemes |
| Flexible Benefits | Tailored benefits to suit individual lifestyles (e.g., discounted shopping) |
| Leave | 30 days holiday + bank holidays |
| Wellbeing | A range of support and mental health initiatives |
| Parental Leave | Generous policies to support flexible parental needs |
Join Us
If you’re excited by the opportunity to make a real impact in a high-performing credit team while advancing your career in a business-critical area, we’d love to hear from you. Apply now!
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Skills
Location