Credit Officer – Mid Markets

Lloyds Banking Group

Credit Officer managing credit risk for UK-focused Mid Corporate customers. Supporting sustainable credit risk solutions and conducting independent credit assessments.

Posted 7/18/2026full-timeBirmingham • 🇬🇧 United KingdomMid-LevelSenior💰 £67,023 - £74,470 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong credit risk management capabilities, including independent credit assessments and effective communication with stakeholders. Proficient in financial analysis and preparing credit papers for senior decision-making.

Highest-signal resume keywords

Credit Risk ManagementFinancial AnalysisCredit Assessment PreparationCommunication SkillsDecision-Making Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk ExperienceCashflow Based LendingData Quality ManagementStatutory ReportingCredit Sanctioning Decisioning

Soft Skills

Attention to DetailCollaborationInfluencing SkillsAdaptabilityJudgement

Industry Keywords

Credit ProposalsRisk Profile MonitoringMarket ResearchStakeholder EngagementFinancial Markets Experience

About the role

Key responsibilities & impact

Monitor and support a range of credit risk management processes and systems including credit sanctioning decisioning
Supporting the efficient and effective production of high quality analysis, anticipating stakeholder needs
Conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made
Liaise with originators, relationship managers, products partners, clients and where necessary shape structured credit proposals in order to maintain an acceptable balance of risk and reward
Monitor and control credit exposures to identify increases to the risk profile, communicating with senior Risk colleagues and sanctioners as well as other interested parties as appropriate
Undertake customer, sector and market research to ensure assessments have an external dimension and seek to apply sound judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal
Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting.

Requirements

What you’ll need

Strong credit risk experience
A strong background in credit risk and financial analysis and, ideally, experience of cashflow based lending
Experience in preparing credit papers for decision making by senior sanctioning officials
Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your recommendations
Ability to balance conflicting demands whilst delivering to tight timescales
Ability to quickly learn and adapt to new challenges
Demonstrate sound judgement, strong decision-making skills, good attention to detail and the ability to collaborate
Financial markets experience would be an advantage, but not essential.

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