Credit Officer - Business Services & Public Sector

Here's what you'll be doing

• Conduct independent credit assessments of lending proposals and prepare reports for presentation to sanctioning officials to enable informed decisions to be made; this involves analysis of management information and of extensive commercial and financial due diligence, and the identification of key strengths and risks. Submissions include new to bank business, increased lending to portfolio clients and annual credit reviews.
• Undertake research using business press, credit rating and information agencies, to ensure assessments have an external dimension, and apply judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal.
• Liaise with originators, relationship managers, product partners and clients where necessary to shape credit proposals in order to maintain a balance of risk and reward and also to identify viable new business opportunities.
• Monitor and control credit exposures, to identify situations which may increase risk to LBG, communicating with Senior Managers and other interested parties as appropriate, as well as compliance with LBG policy and regulatory policy.
• Assist with the production of periodic sector reviews.
• You'll work in a high profile, professional and exciting environment committed to delivering core positive group values.
• Taking advantage of the opportunity to widen your credit experience to other areas.

Essential Skills

• You will have knowledge and significant experience of the corporate market and preferably some knowledge of the UK Services sector.
• Evidence of relevant credit experience with a proven track record of consistent performance.
• Strong knowledge of the regulatory and compliance requirements.
• Ability to establish relationships.
• Ability to communicate effectively at all levels and across different audiences.
• Demonstrable high levels of attention to detail, numeracy and accuracy.
• Familiarity and ability to deal with complex financial models (strong Excel skills are required).
• Report writing skills with strong written and verbal communication skills.

About working for us

At Lloyds Banking Group, we are committed to creating an inclusive and diverse organization that reflects modern society. We believe in celebrating diversity in all its forms and fostering a sense of belonging for our people, regardless of their background, identity, or culture. As a trailblazer in the industry, we have set goals for diversity in senior roles, introduced a menopause health package, and established a dedicated Working with Cancer initiative. We welcome applications from all under-represented groups. We're disability confident. So if you'd like reasonable adjustments to be made to our recruitment processes, just let us know.

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.

Want to do amazing work, that's interesting and makes a difference to millions of people? Join our journey.