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About the Role

An exciting opportunity has arisen for a Senior Credit Officer to join the Banks team, which forms part of the broader Financial Institutions ("FI") Credit Risk team. In FI Credit, we are passionate about risk management and dedicated to supporting our business partners in building sustainable and long-lasting client relationships. We collaborate closely with Coverage and Product teams and view ourselves as business enablers. We are curious and friendly. We challenge existing ways of working and seek ways to simplify and automate, so we can focus on what matters.

Responsibilities

Make recommendations on complex new transactions and lending/trading limit requests.
Design sector strategies, policies, and processes.
Take decisions with sizeable, delegated credit authority.
Lead client due diligence meetings.
Support and constructively challenge the front line to build a long-term sustainable business.
Mentor and upskill junior members of the team.
Review submissions of junior team members to senior sanctioners.
Collaborate on other FI portfolios, such as Insurance, Securitisations, Financial Sponsors and Funds.

Requirements

Significant experience in the credit risk assessment of Global Banks.
Sound knowledge of sector trends, horizon risks, and regulation.
Excellent knowledge of lending and traded products and documentation.
Held senior Credit Authority in past roles.
Led client due diligence meetings.
Formal Credit training preferred.
Track-record in independent decision making.
Ability to communicate succinctly and efficiently in a clear and unambiguous manner.
Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, and meet deadlines.
Confidence to flag when help is needed.
Ability to seek out, build, and maintain trusting relationships and partnerships with stakeholders.
Use influencing and negotiating skills to achieve outcomes.
A passion for change, automation, and simplification.
Excitement for supporting and promoting team members, ensuring all team members have time for personal development, up-skilling, and cross-training.

Skills

Credit risk assessment
Sector trends analysis
Horizon risk analysis
Regulatory knowledge
Lending products
Traded products
Documentation knowledge
Credit authority
Client due diligence
Independent decision making
Clear and unambiguous communication
Organisation
Prioritisation
Time management
Relationship building
Stakeholder management
Influencing
Negotiation
Change management
Automation
Simplification
Mentoring
Upskilling
Cross-training

Location

London
Birmingham
Edinburgh

Work Type

Hybrid Working
Job Share
Full-time

Experience Level

Senior

Education Level

Formal Credit training preferred

Salary/Compensations

£0 - £0

Benefits

Generous 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
Range of wellbeing initiatives
Generous parental leave policies

About the Company

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

Equal Opportunity

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture.
If you'd like reasonable adjustments to our recruitment process, just let us know.