Senior Credit Officer – Financial Sponsors

Lloyds Banking Group

Senior Credit Officer managing complex Financial Sponsor credit risk for Lloyds Banking Group. Shaping fund finance strategy, approving transactions and leading portfolio governance across hybrid London or Birmingham teams.

Posted 8/4/2026full-timeLondon • 🇬🇧 United KingdomSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in Credit Risk Management, particularly within Financial Sponsors and Fund Finance, with a strong focus on credit underwriting, transaction structuring, and portfolio management. Proven ability to influence senior stakeholders and drive strategic outcomes while maintaining robust risk discipline.

Highest-signal resume keywords

Credit Risk ManagementCredit UnderwritingFinancial Sponsors ExpertisePortfolio ManagementStakeholder Relationship Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit ApprovalNumerical AnalysisTransaction StructuringRisk AnalysisLending Products KnowledgeDerivatives KnowledgeLegal Framework UnderstandingPortfolio Management PracticesData Quality ImprovementCredit Processes Management

Soft Skills

Written CommunicationOral CommunicationInfluencing SkillsLeadership PresenceOrganizational Skills

Certifications & Qualifications

CFAACAACCAFRM

Industry Keywords

Fund FinanceFinancial SponsorsCredit Approval ProcessesRegulatory FrameworksMarket Developments

About the role

Key responsibilities & impact

Lead the independent assessment, approval and ongoing management of credit risk across a portfolio of Financial Sponsor clients
Cover subscription finance, NAV lending, derivatives, liquidity and related products
Shape sector strategy, risk appetite, policy and portfolio management practices
Provide robust challenge to business stakeholders while supporting sustainable growth
Exercise delegated credit authority and deputise for the Sector Head when required
Provide independent assessment and approval of lending, trading limits and internal ratings
Provide thought leadership and support senior governance forums
Act as a recognised subject matter expert within Financial Sponsors
Lead management of Financial Sponsor relationships using forward-looking risk analysis
Drive development of sector strategy, mandates, policies and portfolio management practices
Build relationships with senior stakeholders across Coverage, Product, Risk and Credit functions
Lead continuous improvement across data quality, controls, management information and credit processes
Keep senior management apprised of horizon risks and portfolio issues, suggesting mitigations
Coach and upskill other department members

Requirements

What you’ll need

Significant experience in Fund Finance and/or Financial Sponsors credit risk management within 1LOD and/or 2LOD environments
Extensive experience in credit underwriting, transaction structuring, delegated credit approval and portfolio management
Deep understanding of Financial Sponsors, Fund Finance structures, lending products, counterparty credit risk and associated legal frameworks
Strong understanding of lending products, derivative products and associated legal documentation
Expert credit underwriting and approval skills
Expert numerical analysis skills
Strong written and oral communication skills
Proven ability to influence and challenge senior stakeholders while balancing commercial objectives and risk discipline
Strong leadership presence and ability to drive decision-making, build consensus and deliver strategic outcomes
Ability to learn new products, sectors and external-environment changes quickly
Ability to coach and upskill colleagues
Exceptional organisation skills and ability to prioritise multiple workloads and meet deadlines
Ability to coordinate multiple work streams and deliver against tight timelines
Ability to build and maintain trusted stakeholder relationships using influencing and negotiating skills
Bachelor's degree in Finance, Economics, Accounting, Mathematics or related discipline, or equivalent experience
Professional qualifications such as CFA, ACA, ACCA or FRM 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
Generous parental leave policies
Reasonable adjustments throughout the recruitment process