Corporate Credit Officer

1 month ago

London, United Kingdom Lloyds Banking Group Full time

End Date

Tuesday 09 May 2023

Salary Range

£0 - £0

Agile Working Options

Other Agile Working Arrangements / Open to Discussion

Job Description Summary

An exciting new opportunity to join us in the Corporate Credit Team at Lloyds Banking Group. We provide insightful analysis and guidance while exercising control and stakeholder management in a specific area of credit risk. You'll be fully supported and given all the training needed to make your career in Credit and at Lloyds Banking Group a success.

Most of our colleagues are based in London, however we'll consider other locations and are firm supporters of agile working.

**Job Description**:
About the Role

This is an exciting opportunity to join the Lloyds Banking Group team as a Credit Officer who plays a central role in supporting customers and Coverage deliver their growth objectives sustainably and with a clear focus on risk.

The team is responsible for the credit management of a portfolio of corporate clients in the Construction Sector with complex and varied financing arrangements; as well as supporting CIB in generating new business and maintaining the credit quality of the existing portfolio.

Due to the nature of the client portfolio the role requires frequent engagement with senior internal and external stakeholders.

What you'll be doing...
- Managing an active portfolio of counterparties (some of the largest companies in the UK) in the Construction sector.
- Undertaking independent credit assessments of lending proposals (new opportunities and annual reviews) and developing a recommendation for presentation to sanctioners. This involves identifying, analysing, and succinctly articulating the key risks (financial, structural, operational, environmental), along with a clear recommendation, thus enabling informed decisions to be made.
- Using external research from a variety of sources including specialist information providers, credit rating agencies, and media reports to assess how a customer is positioned within an evolving external environment and identify situations that could increase risk to LBG.
- Collaborating closely with originators, relationship managers, and product partners to shape credit proposals, set credit risk appetite, and to maintain a balance of risk and reward.
- Monitoring portfolio performance, escalating any emerging risks to senior management and other interested parties as appropriate, as well as ensuring compliance with LBG and regulatory policy.
- Partnering with key collaborators to undertake periodic sector reviews aimed at identifying potential areas of weakness as well as opportunity.
- Lead credit focused meetings with external clients as well as internal partners
- Working in a high profile, professional, and demanding environment committed to putting people first, being bold, trusting each other, and embracing our differences.
- Drawing upon your prior Credit experience to help shape and improve team processes.
- Taking advantage of the opportunity to widen your credit experience within the Construction sector.

Here's what we're looking for...
- Good knowledge and significant experience of corporate credit analysis, preferably experienced in covering Construction and Building Materials companies.
- Evidence of relevant credit experience assessing large corporates with a proven track record of consistent performance.
- Strong knowledge of regulatory and compliance requirements.
- Demonstrable high levels of attention to detail, numeracy, and accuracy
- Understand and manipulate complex financial models (strong Excel skills are required).
- Ability to establish strong working relationships and work within a supportive yet ambitious team.
- Communicate effectively at all levels and across different audiences, with strong written and verbal communications skills.

Want to hear more?

You’ll be offered a competitive package which includes...
- salary - dependent upon location and experience
- bonus
- a generous pension contribution
- flex cash to spend on a host of benefits to suit your lifestyle.
- a flexible approach to hybrid working

We're dedicated to giving you opportunities and support to develop you both professionally and personally to optimise your potential.

As a new colleague, you’ll join us on our journey to build a 21st century bank that reflects modern Britain, and craft an inclusive culture where all colleagues feel welcomed and valued.

We're committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit.

We support the principles of agile working and are happy to consider flexible working arrangements.

We're an equal opportunity employer and deeply value diversity within our organisation.

Together we make it possible

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleague

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