Lloyds Bank

End Date

Sunday 11 May 2025

Salary Range

£0 - £0

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

JOB TITLE: Senior Credit Officer (Director) - CIB Corporate - Energy, Commodities, Utilities & Industrials

LOCATION: London

HOURS: Full-time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

Job Description

An exciting opportunity to join our team in LBG’s Energy, Commodities, Utilities and Industrials Credit team as a Senior Credit Officer where you’ll play a leading role in helping us drive revenue growth and maintain an appropriate risk appetite to limit credit losses. As a Senior Credit Officer, you will play a leading role in driving the strategic direction of the team and delivering its core objectives.

You’ll lead a team of Senior Credit Analysts and Credit Officers which have responsibility for the credit management of a portfolio of Industrials and overseeing the management of corporate clients within the portfolio. You will also support your peer group across Energy, Commodities and Utilities. On any given day, a Senior Credit Officer can look forward to a variety of work such as:

• Leading discussions with originators, relationship managers, and product partners as well as Senior Sanctioners to shape credit proposals, set credit risk appetite, and maintain a balance of risk and reward.
• Negotiating and evaluating complex financing proposals to find the ones that best meet the needs of the client and which provide the bank with appropriate protection.
• Sanctioning credit proposals within a personal delegated lending discretion.
• Working in a high profile, professional, and demanding environment committed to putting people first, being bold, trusting each other and embracing our differences.
• Line Managing direct reports and playing a key role in their career development. Coaching other colleagues throughout CIB Corporate Credit.
• Setting the strategy for your asset class or portfolio and shaping the strategy of CIB Corporate Credit as a whole.
• Co-ordinating a wide variety of projects jointly with our key partners to improve processes and ways of working.

We’re renowned for nurturing and developing our team members so you’ll also be coaching colleagues, providing specialist training and helping to transition us into a risk function of the future!

What you’ll need:

• Experience of credit or sector specific skills.
• Experience of demonstrating sound judgement and decisiveness.
• Sophisticated financial and non-financial analytical skills and critical analysis skills.
• Advanced knowledge of documentary terms.
• Ability to establish strong working relationships with a variety of stakeholders.
• Demonstrable high levels of attention to detail, numeracy, and accuracy.
• Experience of leading teams and line management.
• Ability to communicate effectively at all levels and across different audiences including Senior Sanctioners on complex issues or risks, with strong written and verbal communications skills.

We also offer a wide-ranging benefits package, which includes:

• 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

We'll help you perform at your best today, so you can fulfil all your potential in the future. We know that success is built from the inside out through our people. In return for your expertise, you’ll enjoy our total dedication to your ongoing personal and professional development.

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture.

If you’d like reasonable adjustments to be made to the recruitment process, just let us know.

If you’re excited by the thought of becoming part of our team, get in touch. We’d love to hear from you.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.