Lloyds Banking Group
Credit Officer - Mid Corporates
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Credit Officer - Mid Corporates
Credit Officer – Mid Corporate Credit Position
End Date: Tuesday, 14 July 2026 Salary Range: £67,023 – £74,470 Location(s): Birmingham or Leeds Hours: Full time, flexible (including hybrid, job share options)
Key Details
- Job Title: Credit Officer
- Working Pattern: Hybrid (40% office-based or two workdays on-site)
About the Role
The Mid Corporate Credit team collaborates closely with fellow Coverage and Product teams to deliver responsible, sustainable credit risk solutions that support both our customers’ growth and the business’s ambitions.
Special focus lies on UK-based businesses with revenues of £25m–£500m annually, an area where LTBG is investing heavily to back ambitious growth plans. This role offers:
- A chance to build expertise and broaden impact in credit risk
- Career development across the Chief Credit Office and the wider Group
- Strategic influence in shaping policies, assessing risk, and sanctioning lending
Crucial to this function is hastening the credit process, balancing risk and reward for new and expanded deals, while ensuring ongoing compliance with Group and regulatory policies.
Responsibilities
Credit Assessment & Decision-Making
- Conduct independent credit assessments for sanctioned lending decisions, analysing businesses, weaknesses, risks, and opportunities.
- Prepare submissions for new-to-bank businesses, credit increases, restructuring, refinancing, and annual reviews, considering both internal and third-party data.
- Prepare structured credit proposals with supporting evidence (financials, market sentiment, industry trends) while ensuring alignment with LTBG’s [responsible credit lending] policies and regulatory guidance.
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Monitoring & Compliance
- Monitor exposures to detect heightened risk levels, acting on escalations with relevant risk teams and internal officers.
- Ensure transactions fully comply with LBG policy and regulation.
Analytics & Judgement
- Conduct investigative research on customer sectors and market conditions to enhance credit approvals.
- Embody sound judgement, employing sensitivity analysis and adapted internal/external cash flow models where necessary.
Delegation
- Act under a formal Credit Authority Delegation, applying it appropriately in deal/T2 flow for non-complex cases.
- Oversee the deal origination team, ensuring submissions meet dawn-risk and policy standards.
Reporting
- Maintain accurate documentation for internal data quality standards and regulatory audits.
Requirements
Technical Skills & Experience
- Proven credit-risk experience, grounded in UK mid-corporates or SME lending
- Financial & analytical fluency, with preference for cash-flow based lending insights
- Experience crafting compelling credit papers for higher-level approval
- Tracking knowledge of captive debt covenants and regulatory frameworks
Soft Skills
- Strong communication (convincing proposals, pushing back constructively, advocating risk parameters)
- Adaptable collaborators, balancing speed and accuracy under tight deadlines
- Commercial acumen to balance risk and reward
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Certification Join-In
- Ideally holds FCA ACA or equivalent, with CPD commitment ongoing
About Working at Lloyds Banking Group
Lloyds Banking Group commits to fostering a workplace rooted in DEI (Diversity, Equity, and Inclusion)—embodied through:
- Setting measurable diversity targets
- Initiatives like the Menopause Workplace Package and Working with Cancer Alliance
- As a Disability Confident Leader, offering private feedback on recruitment adjustments
A benefits package tailored to support your success:
- 15% auto-enrolled pension (matching cap in build-up years)
- Performance-based bonus, share schemes (including free shares)
- Flexible working (hybrid options, discounts via Discover More Scheme)
- Mindfulness support inclusive of 30+ holiday days
- Generous parental leave, mental-health support
Tone & Culture
You’ll thrive in:
- An innovative yet pragmatic financial resilience culture
- Cross-functional collaboration between Credit, Risk, Compliance, Sales & Product
- Ongoing development aligned to Group-wide vision principles
A purpose-driven workplace: our ‘70 million customers’ reveal the role you play in Britain’s financial futures, from SMEs to corporates, whilst building a values-driven team.
Dedicated note on candour: LTBG ensures security in confidentiality. Only sensitive data requests arise post-verbal offer or following final interview stage. We’ll explain details and sources.
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