Overview

End Date Tuesday 21 October 2025

Salary Range £76,464 - £84,960

Flexible Working Options Flexibility in when hours are worked, Hybrid Working, Job Share

Location Birmingham, Leeds or 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.

Job Description

About this Opportunity:

As a Credit Officer in FI Credit, you’ll have a primary focus in one of our teams (Insurance, Securitisation, Financial Sponsors, Funds, Specialist Finance, or Banks) and initially you’ll undertake credit analysis and make recommendations on lending, trading limits and internal ratings for clients.

In time we aim that you’ll be empowered to make important decisions with a delegated credit authority and ultimately, you’ll have the opportunity to collaborate on other FI portfolios.

Responsibilities

• Run your own portfolio and use your insight to incorporate a forward view of horizon risks in your credit papers and discussions with partners.
• Proactively contribute to sector strategy and appetite, credit policies and processes for your own and the wider sector portfolio.
• Build positive relationships to become a trusted business partner for our well-regarded Coverage and Product colleagues and help drive collegiate working across FI Credit.
• Take ownership of data integrity and championing simplification initiatives.

Qualifications

• A sound understanding of the credit risk assessment.
• Robust understanding of FI sectors and products.
• Self-motivated with 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.

Our Commitment on Inclusion

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.