Credit Officer, FI Credit

Lloyds Banking Group

Credit Officer for Insurance clients focusing on credit analysis and lending recommendations. Collaborating with Coverage and Product teams while focusing on risk management and client relationships.

Posted 7/14/2026full-timeBirmingham • 🇬🇧 United KingdomMid-LevelSenior💰 £78,372 - £87,080 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in Credit Analysis and Insurance business models, with a strong focus on risk assessment, portfolio management, and stakeholder engagement. Capable of effectively communicating complex financial concepts and recommendations while maintaining data integrity and underwriting standards.

Highest-signal resume keywords

Credit AnalysisInsurance Business ModelsTraded Products Risk AssessmentEffective Oral CommunicationPortfolio Monitoring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AnalysisNon-Financial AnalysisMarket Risk CalculationsCredit Writing SkillsRisk Mitigation Strategies

Soft Skills

Self-MotivationWillingness to LearnRelationship Building

Certifications & Qualifications

CFAACAACCAFRM

Industry Keywords

Insurance SectorRegulatory EnvironmentCapital FrameworksCredit Risk AssessmentSecurities Financing Transactions

About the role

Key responsibilities & impact

Conducting comprehensive credit analysis and making well-informed recommendations on lending, trading limits, and internal ratings for our Insurance client base.
Lead a portfolio of Insurance clients, incorporating forward-looking assessment of sector, market and idiosyncratic risks into credit decisions, portfolio monitoring and stakeholder discussions.
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 champion simplification initiatives.
Build and maintain a strong understanding of both market and counterparty risk dynamics associated with traded products, including derivatives and securities financing transactions, and their impact on credit exposure.
Monitor portfolio risks, concentrations and emerging sector developments, calling out material risks and recommending appropriate risk mitigation actions where required.
Support the development of junior team members and contribute to maintaining consistent underwriting standards and risk rigor across the team.

Requirements

What you’ll need

Strong understanding of Insurance business models, regulatory environment, capital frameworks and key risk drivers.
Robust understanding of financial and non-financial analysis of Insurance firms.
Formal Credit and Insurance sector training preferred.
Excellent credit writing skills, with the ability to present complex risks and recommendations in a clear and concise manner.
Strong understanding of traded products, their market risk calculations, the variable dynamics impacting exposure, associated documentation and appropriate exposure mitigation.
Sound understanding of banking products extended to insurance firms and their credit risk assessment.
Self-motivation with a strong willingness to learn.
Able to quickly up-skill in relation to new products, sectors and changes in the external environment.
Effective oral communications skills, with the ability to present complexity in an understandable way.
Degree in Finance, Economics, Mathematics, Accounting or a related discipline; professional qualifications (e.g. CFA, ACA, ACCA, FRM) are advantageous.

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