Credit Risk Officer

3 days ago

London, Greater London, United Kingdom Lloyds Banking Group Full time

End Date

Thursday 06 April 2023

Salary Range

?0 - ?0

We support agile working - click here for more information on agile working options.

Agile Working Options

Other Agile Working Arrangements / Open to Discussion

Job Description Summary

A Commercial Credit Risk opportunity in a key sector

Job Description

At Lloyds Banking Group our primary purpose is to help Britain prosper...

And this is only realistic if we're making a genuine difference to Britain's people, its businesses and local communities.

We're responsible for 20% of the UK's financial system and partner with a huge number of FTSE 250 organisations across the UK, EU and North America.

Consumer & Technology (C&T) Credit is a hard working part of the Industry Sectors Credit Team, supporting our colleagues across Corporate & Institutional Coverage and Product Partners.

We provide independent and dynamic credit assessment of debt and other facilities provided to corporate customers as well as monitoring and risk managing a multi ?Bn portfolio in a sophisticated and evolving sector.

The role involves undertaking credit assessments for our portfolio of high-profile Clients across our entire commercial product range.

Here's what you would be focussing on:

  • Managing a portfolio of C&T Clients - covering retail, food & drink manufacturing, travel and leisure and Technology/Media/Telecoms.
  • Undertaking independent credit assessments of lending proposals and presenting them to key decision makers - succinctly articulating the key risks.
  • You'd cover new to bank business, increased lending, and annual credit reviews in the consumer and technology space for the Bank's core corporate relationships as well as undertake annual sector reviews.
  • You'd undertake research using business press, credit rating and information agencies, to ensure assessments have an external dimension, and apply judgement to which material is included when evaluating lending proposals.
  • You'll collaborate widely with originators, relationship managers, product partners and Clients (including meeting their CFOs and CEOs) where necessary to shape proposals and maintain a balance of risk and reward and also to identify viable new business opportunities.
  • You'll monitor and control credit exposures, to identify situations which may increase risk to LBG, communicating with Senior Managers and other interested parties as appropriate, as well as compliance with LBG policy and regulatory policy.

It's a dynamic and varied role where you could be meeting someone you'd normally see on the front page of the FT to presenting at senior credit committees with our LBG Chief Risk Officer in attendance

You'll also have the chance to take advantage of opportunities to widen your credit experience to other sectors and areas including Leverage Finance and Infrastructure & Project Finance.

What we need to see on your CV:

  • Evidence of relevant commercial credit experience with a track record of consistent performance
  • Good knowledge of regulatory and compliance requirements around Commercial banking
  • Familiarity and ability to deal with complex financial models (strong Excel skills are required)
  • (Credit) Report-writing skills - pulling together impactful, concise presentations with care

About you

You'll demonstrate high levels of attention to detail, numeracy and accuracy and be able to evidence how you build relationships and nurture them.

We'd want you to have the ability to communicate at all levels and across different audiences - technical and non-technical.

And if you've any knowledge and experience of the Consumer & Technology sector then this would be a huge bonus, but other sector experience works too.

Want to hear more?

Working from home is supported and encouraged as part of our hybrid model (2 days in the office). We're also supportive of flexible and alternative working patterns so let us know what might work for you...

As a leading employer we're passionate about diversity and equal opportunity with industry recognition across gender, ethnicity, disability, LGBTQ+ and families. And, being disability positive, reasonable adjustments can be accommodated in our Recruitment process.

We'll also offer you a comprehensive package that includes:

  • A competitive salary
  • Annual performance bonus opportunity
  • Share schemes, including free shares
  • Generous pension contribution of up to 15%
  • Private health care extendable to family
  • A flex cash pot of 4% salary to spend on lifestyle benefits

So if you have the skills and experience we're seeking and working with some seriously big corporate clients appeals then 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'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.

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