Job Description

End Date

Thursday 11 June 2026

Salary Range

£0 - £0

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Hybrid Working, Job ShareJOB TITLE: Credit Officer – Banks & Intragroup Sector
LOCATION: London, Birmingham, Edinburgh
HOURS: Full-time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

An exciting opportunity has arisen for a 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.

As a Credit Officer in the FI Credit – Banks team, you will have a primary focus in the Banks sector (including our own intragroup subsidiaries). Initially your responsibilities will include credit analysis and recommendations on lending/trading limits and new transaction requests. Over time, we aim to empower you with delegated credit authority, enabling you to make important decisions on the Banks portfolio. You will also have the opportunity to collaborate on other FI portfolios, such as Insurance, Securitisations, Financial Sponsors and Funds.

Here's where you'll make a difference:

• Covering a portfolio of Global Banks and using your insight to incorporate a forward view of horizon risks in your credit papers and discussions with partners.
• Supporting new business origination within the FI growth strategy by assessing and shaping live transactions.
• Conducting client due diligence meetings.
• Proactively contributing to sector strategy and appetite setting, and changes to credit policies and processes.
• Building positive relationships to become a trusted business partner for our Coverage and Product colleagues, and helping drive collegiate working across FI Credit.
• Taking ownership of data integrity and championing simplification initiatives.

What you'll need

• A sound understanding of the credit risk assessment of Banks.
• Robust understanding of FI sectors and products, ideally with experience of credit in Banks
• Excellent knowledge of lending and traded products and documentation.
• Formal Credit training preferred.
• Self-motivated and a strong willingness to learn - able to quickly up-skill in relation to new products, sectors and changes in the external environment.
• Strong written and oral communications skills - able to present complexity in an understandable way.
• Comfortable with numerical analysis.
• Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines, as well as having the confidence to flag when you might need help.
• Ability to work as a team player in a dynamic and fast-paced work environment, including ability to coordinate multiple work streams and deliver against tight timelines.
• Ability to seek out, build and maintain trusting relationships and partnerships with stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.

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

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. This is a once in a career opportunity to help shape your future as well as ours.

Join us and grow with purpose!

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.