Senior Credit Officer - FI Credit (Banks)

End Date

Wednesday 21 October 2026

Salary Range

£0 - £0

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

• JOB TITLE: Senior Credit Officer (Director)– 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 Senior 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.

Job Description

As a Senior Credit Officer in the FI Credit – Banks team, you will look after our exciting and growing Global Banks portfolio (including our own intragroup subsidiaries). You will make recommendations on complex new transactions, lending/trading limit requests, design sector strategies, policies and processes. You will be trusted to take decisions with a sizeable, delegated credit authority and you will also lead client due diligence meetings.

We are looking for someone who can be a role model across FI Credit and build strong relationships with key partners across Coverage and Product teams. You will support and constructively challenge the front line to build a long-term sustainable business.

You will mentor and upskill junior members of the team as well as reviewing their submissions to senior sanctioners. You will also have the opportunity to collaborate on other FI portfolios, such as Insurance, Securitisations, Financial Sponsors and Funds.

What you'll need

• •Significant experience in the credit risk assessment of Global Banks. Sound knowledge of sector trends, horizon risks and regulation.
• •Excellent knowledge of lending and traded products and documentation.
• •Held senior Credit Authority in past roles.
• •Led client due diligence meetings.
• •Formal Credit training preferred.
• •Track-record in independent decision making and is able to communicate succinctly and efficiently in a clear and unambiguous manner.
• •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 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.
• •A passion for change, automation and simplification.
• •A real excitement for supporting and promoting team members ensuring all team members have time for personal development, up-skilling and cross training.

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.