Credit Officer

Credit Officer - Mid Corporate

Salary range

£67,023 - £74,470

Location

Leeds, Birmingham, Edinburgh, Manchester

End date

Tuesday 27 October 2026

Job type

Permanent

Posted date

Posted Today

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JOB TITLE: Credit Officer

SALARY: £67,000 - £74,400

LOCATION(S): Birmingham, Edinburgh, Manchester or Leeds

HOURS: Full time

WORKING PATTERN: Hybrid, 40% (or two days) in an office location listed above

About this opportunity

The Mid Corporate Credit team works in close partnership with Coverage and Product teams to deliver responsible, sustainable credit risk solutions that help both our customers and our business grow.

Our Mid Corporate customers are UK-focused businesses with revenues of £25m–£500m per annum, and this is a segment where we are investing significantly to support ambitious growth plans.

With Mid Corporate growth a core priority for the Group, this role offers an exciting opportunity to build your experience, broaden your impact, and develop your career across the wider Chief Credit Office and the Group. We play a pivotal role in shaping credit process, policy and strategy, assessing customer creditworthiness, structuring and sanctioning transactions, and monitoring portfolio performance.

What you’ll be doing:

• Conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made. This involves the analysis of company prepared information, market due diligence, and identifying key strengths and risks. Submissions include new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.
• Liaise with originators, relationship managers, products partners, clients and where necessary shape structured credit proposals in order to maintain an acceptable balance of risk and reward.
• Monitor and control credit exposures to identify increases to the risk profile, communicating with senior Risk colleagues and sanctioners as well as other interested parties as appropriate, and to maintain compliance with LBG policy and regulatory policy.
• Undertake customer, sector and market research to ensure assessments have an external dimension and seek to apply sound judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal. This may include sensitivity analysis of internal/external cash flow models.
• This role carries a formal Credit Authority Delegation and you will be exercising this where applicable.
• Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting. You'll assess proposed transactions against Group Policy and oversight the deal origination team in the same respect.

We offer a supportive and stimulating environment where learning, teamwork and personal development are genuinely valued. You’ll join a high-profile, fast-paced team with the opportunity to make a real impact, while working alongside experienced colleagues who are committed to delivering positive outcomes, embracing innovation and continually simplifying the way we work.

What you’ll need:

• Strong credit risk experience.
• A strong background in credit risk and financial analysis and, ideally, experience of cashflow based lending.
• Experience in preparing credit papers for decision making by senior sanctioning officials.
• Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your recommendations.
• Ability to balance conflicting demands whilst delivering to tight timescales.
• Ability to quickly learn and adapt to new challenges.
• Demonstrate sound judgement, strong decision-making skills, good attention to detail and the ability to collaborate.
• Financial markets experience would be an advantage, but not essential.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

If you’re excited by the opportunity to make an impact in a high-performing team and grow your career in a business-critical area, we’d love to hear from you.

Job ID

159753

Agile Working Options

Job Share; Hybrid Working

End Date

Tuesday 27 October 2026

Senior Manager, Securitisation Transaction Management

Location

Leeds Wellington Place

Salary

£92,701 - £109,060

End Date

Tuesday 27 October 2026

Full job description

Think all banks are the same? You'd be wrong.

We're a fast paced, forward thinking business that's shaping finance as a force for good.

A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

Think all banks are the same? You'd be wrong.

We're a fast paced, forward thinking business that's shaping finance as a force for good.

A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

Benefits that work for you

Our benefits are designed to support you both in and out of work. We offer a competitive pay and benefits package including health insurance, pension, holiday allowance, family leave and flexible working.

Benefits

• Development and progression

• With us, your development is a priority, and we’ll ensure you have the right tools to grow and learn.

• Our offices

• Our newly renovated offices boast state-of-the-art tech and top-class facilities to help colleagues to connect, collaborate and thrive in an environment so they can do their best work for our customers.

• A talent community for you

• Not ready to apply for anything just yet? Don't worry, join our talent community. We're matching amazing people to new opportunities every single day.

• Join our talent community

• 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'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.

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• Benefits that work for you

• From holiday allowance and flexible working options to private health cover and generous pension contributions, we’ve built a benefits package that works for everyone.

Join us and you’ll have access to:

• Pay and Bonus – competitive salaries as well as bonus aligned to group, business area and individual performance.
• Hybrid working giving you the option to work from home for up to three days a week, extended up to five days a week over the summer period.
• Private medical insurance providing all colleagues with access to quality medical care, including accommodation, nursing care and specialist advice.
• Generous pension scheme with employer contributions. The more you save, the more we'll contribute to your plan, starting with 9% if you pay in 3% of your salary, going all the way up to 15% if you contribute 6% or more.
• Financial products and colleague offers – you’ll be able to take advantage of all our financial products, some at a discounted rate, including current accounts, home and car insura