Credit Officer – CIB Corporate – Services & Public Sector

Job Description

Credit Officer

Location: Birmingham, Leeds or Edinburgh

Hours: Full-time

Working Pattern: Hybrid – spend at least two days per week at one of our office sites.

About this opportunity

We are looking for a Credit Officer in CIB Corporate Credit – Industry Sectors (Services and Public Sector) to support Lloyds Banking Group’s CIB growth ambitions. The role sits at the heart of credit execution, providing robust credit analysis and timely risk insight for new to bank transactions, new facilities and material increases. Working closely with Coverage, Product Partners and senior credit colleagues, you will enable sustainable growth while ensuring alignment to the Bank’s risk appetite, credit standards and regulatory obligations.

Key Responsibilities

• Deliver high quality credit analysis and written recommendations for new transactions and increased facility requests across the Corporate Industry Sectors.
• Act as a trusted credit business partner to Coverage and Product teams, supporting transaction execution through informed challenge and constructive risk insight.
• Contribute to out of cycle credit requests and events, applying judgement and pace in dynamic, time sensitive situations.
• Build and maintain sector knowledge within defined sub sectors, contributing insight to sector appetite, deep dives, Enterprise Credit Risk (ECR) requests and thematic reviews.
• Support effective risk stewardship, including emerging risk identification and escalation, watchlist input, and engagement with audit or review activity where required.
• Collaborate with colleagues across CIB Corporate Credit, including offshore and centralised teams, to support strong data quality, portfolio hygiene and efficient execution.
• Play an active role in the evolution of credit execution by embracing process improvement, digital tools and the adoption of AI to enhance effectiveness and consistency.
• Support the development of colleagues through coaching, knowledge sharing and informal leadership (with line management responsibility depending on team structure).
• Sanction or approve credit proposals, applying expert judgement thoughtfully within your delegated credit authority.

Skills and Experience

• Essential: Experience in corporate credit risk, ideally within a transaction driven environment; strong financial analysis and modelling skills with advanced Excel capability; sound knowledge of credit risk principles, bank risk appetite and governance frameworks; confident, clear communicator with strong written and verbal skills; strong stakeholder management and ability to work collaboratively across functions; high attention to detail, sound judgement and ability to manage multiple priorities in a dynamic environment.
• Desirable: Experience within Higher Education and Charities; exposure to complex or time critical credit situations; demonstrated interest in continuous improvement, digital innovation and the future of credit risk; previous experience with a delegated credit authority; understanding of derivative products and transactional banking products.

Benefits

• Generous pension contribution of up to 15%.
• Annual performance related bonus.
• Share schemes, including free shares.
• Adaptable benefits such as discounted shopping.
• 30 days’ holiday plus bank holidays.
• Range of wellbeing initiatives.
• Generous parental leave policies.

Diversity and Inclusion

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.