Credit Officer

End DateTuesday 09 December 2025Salary Range£0 - £0We support flexible working – click here for more information on flexible working optionsWe support flexible working – click here for more information on flexible working optionsFlexible Working OptionsFlexibility in when hours are worked, Hybrid Working, Job ShareJob Description SummaryJOB TITLE: Credit Officer, FI Credit - SecuritisationLOCATION: Birmingham, Leeds, Edinburgh or LondonHOURS: Full-timeWORKING 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 DescriptionAn exciting opportunity has arisen for a Credit Officer to join the Securitisation team, which forms part of the broader Financial Institutions (“FI”) Credit Risk team. In Credit Risk we're here to support our business partners in achieving their goals, whilst managing credit risk and protecting the bank from any losses. In the broader FI Credit team, we work with clients you’ll likely to already know ranging from insurance companies to banks, to pension funds and governments.In this role, your focus will be supporting the Securitised Products Group. As part of this role, you’ll manage a portfolio of counterparties, and provide insightful, high-quality analysis, advice and guidance in a specific area of credit risk, executing control and tailored to senior stakeholder needs. You will prepare new business and annual credit reviews & present these submissions to sanctioning officials for approval. You’ll also get the opportunity to lead credit due diligence calls with clients, shape deal structures and inform credit risk appetite.We're a small team with a motivating & collaborative team culture so everyone who joins is vital. With a healthy growth agenda for the FI portfolio, this role will provide lots of opportunity for new business, learning & development and general variety in your workload. Attention to detail is a key skill needed to excel in this role, but any training gaps will be provided with the full support & guidance of the current team.Our goal is for the new credit officer hire to become an active & valuable member of our team and the wider FI Credit team (which has a great culture and can be a fun place to work).So who are you?Well ideally you would have:A robust understanding of Securitised Products structures (ABS, RMBS, etc.) and related credit risk drivers.Sound knowledge of rating agency methodologies and their application in transactions.Proficiency in credit analysis including cash flow modelling, stress testing, and scenario analysis.Prior experience at a Bank and/or Rating agency desired.Awareness of macroeconomic factors impacting asset performance and credit risk.A sound understanding of the credit risk assessment of Financial Institutions or Large Corporate clients.Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines, as well as having the confidence to flag when you might need help;Strong communication skills both written and verbal.A committed team player with the ability to build & manage positive internal colleague relationships outside of the team.Benefits packageA generous pension contribution of up to 15%An annual performance-related bonusShare schemes including free sharesBenefits you can adapt to your lifestyle, such as discounted shopping30 days' holiday, with bank holidays on topA range of wellbeing initiatives and generous parental leave policiesOur 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 our recruitment process, just let us know. This is a once in a career opportunity to help shape your future as well as ours.Join us and grow with purposeAt 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. #J-18808-Ljbffr