Senior Credit Officer – Mid Markets

Lloyds Banking Group

Senior Credit Officer shaping credit risk and lending for UK businesses at Lloyds Banking Group. Leading portfolio decisions, growth, colleagues and credit transformation.

Posted 8/20/2026full-timeBirmingham • 🇬🇧 United KingdomSenior💰 £85,493 - £100,580 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in credit risk management, financial analysis, and cash flow-based lending, with a strong focus on decision quality and portfolio growth. Capable of building partnerships and leading teams while driving continuous improvement and effective credit processes.

Highest-signal resume keywords

Credit Risk ManagementFinancial AnalysisCash Flow-Based LendingTransaction StructuringDecision Quality

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisFinancial AnalysisTransaction StructuringCredit Authority DelegationPortfolio Management

Soft Skills

Communication SkillsInfluencing SkillsConstructive ChallengeAdaptabilityResilience

Industry Keywords

Mid MarketsCredit StewardshipBusiness StrategyContinuous ImprovementRisk Insight

About the role

Key responsibilities & impact

Identify, evaluate and sanction credit risk across the strategically important Mid Markets portfolio
Apply credit risk appetite through the cycle, including analysis, rating, structuring, sanctioning and monitoring of Mid Markets relationships with revenues of £50m–£500m
Build trusted partnerships across the Mid Markets team and translate business strategy into well-structured growth
Provide early, solutions-oriented advice on business opportunities
Own the effectiveness of the end-to-end credit process and drive continuous improvement, pace and decision quality
Champion the growth, development and retention of diverse Mid Markets credit talent
Exercise delegated credit authority with accountability for decision quality
Take ownership of portfolio growth and credit performance
Present clear risk insight to the wider team and provide credit expertise on portfolio, sector and product reviews
Coach colleagues and raise performance through clarity and constructive challenge
Support strong first-line credit stewardship
Role model LBG values and behaviours and deputise for the Head of Credit when required
Help lead the change agenda, including developing business with trading companies and expanding cash flow-based lending capability
Drive simplification, efficiency, empowerment, automation and smarter use of data

Requirements

What you’ll need

Strong background in credit risk, financial analysis and cash flow-based lending, ideally gained over a minimum of 10 years
Experience holding and exercising a material credit authority delegation
Sophisticated financial and non-financial analysis capability
Strong transaction structuring capability
Well-developed communication and influencing skills
Ability to challenge constructively and explain decisions clearly
Ability to balance competing priorities, maintain pace and deliver high-quality outcomes under time pressure
Curious and adaptable mindset
Resilience to learn quickly and respond effectively to new challenges
Sound judgement and strong decision-making
Attention to detail
Collaborative approach to solving complex credit issues

Benefits

Comp & perks

Flexible working options, including hybrid working and job share
Reasonable workplace adjustments, including flexibility in office attendance, location and working patterns
Generous pension contribution of up to 15%
Annual performance-related bonus
Share schemes including free shares
Adaptable lifestyle benefits, such as discounted shopping
30 days’ holiday, with bank holidays on top
Wellbeing initiatives
Generous parental leave policies
Learning, development and career growth opportunities
Disability Confident Scheme interview guarantee for a fair and proportionate number of qualifying applicants
Reasonable adjustments throughout the recruitment process