Senior Credit Officer

Lloyds Banking Group

Senior Credit Officer managing independent credit risk assessments and approvals for Financial Sponsor portfolios. Leading sector strategy and policy development at Lloyds Banking Group.

Posted 7/10/2026full-timeLondon • 🇬🇧 United KingdomSeniorWebsite

About the role

Key responsibilities & impact

Lead the independent assessment, approval and ongoing management of credit risk across a portfolio of Financial Sponsor clients
Shape sector strategy, risk appetite, policy and portfolio management practices
Provide robust challenge to business stakeholders while supporting sustainable growth
Operate as a senior leader within Financial Sponsors, exercising delegated credit authority
Act as a senior credit decision-maker, providing independent assessments and approvals
Influence sector strategy, risk appetite, policy development and portfolio management practices
Provide thought leadership and act as a recognised subject matter expert within Financial Sponsors
Drive the development of sector strategy, risk appetite, mandates, policies and portfolio management practices in Financial Sponsors Credit portfolio

Requirements

What you’ll need

Significant experience in Fund Finance and/or Financial Sponsors credit risk management gained within 1LOD and/or 2LOD environments
Extensive experience in credit underwriting, transaction structuring, delegated credit approval and portfolio management
Strong understanding of lending products, derivative products and associated legal documentation, including their application within Financial Sponsors and Fund Finance structures
Bachelor's degree in Finance, Economics, Accounting, Mathematics or a related discipline, or equivalent experience
Professional qualifications such as CFA, ACA, ACCA, FRM or equivalent are desirable
Strong understanding of banking products, credit approval processes and relevant regulatory frameworks
Demonstrable expertise in Financial Sponsors, Fund Finance and associated market developments
Previous experience in a senior Credit, Underwriting, Portfolio Management or Coverage role

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit Approval ProcessesTransaction StructuringLending ProductsDerivative ProductsRegulatory FrameworksPortfolio Management PracticesSector Strategy DevelopmentRisk Appetite AssessmentIndependent Credit AssessmentsDelegated Credit Authority

Soft Skills

LeadershipInfluencing StakeholdersThought LeadershipRobust Challenge

Certifications

CFAACAACCAFRM