Credit Officer - Mid Corporates

Responsibilities

• Liaise with originators, relationship managers, products partners, clients and where necessary shape structured credit proposals in order to maintain an acceptable balance of risk and reward.
• Monitor and control credit exposures to identify increases to the risk profile, communicating with senior Risk colleagues and sanctioners as well as other interested parties as appropriate, and to maintain compliance with LBG policy and regulatory policy.
• This role carries a formal Credit Authority Delegation and you will be exercising this where applicable.
• Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting. You'll assess proposed transactions against Group Policy and oversight the deal origination team in the same respect.

Requirements

• Strong credit risk experience.
• A strong background in credit risk and financial analysis and, ideally, experience of cashflow based lending.
• Experience in preparing credit papers for decision making by senior sanctioning officials.
• Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your recommendations.
• Ability to balance conflicting demands whilst delivering to tight timescales.
• Ability to quickly learn and adapt to new challenges.
• Demonstrate sound judgement, strong decision-making skills, good attention to detail and the ability to collaborate.
• About working for us
• 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're committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best.
• We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.
• As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern.

Benefits

Additional Information

End Date Thursday 30 July 2026 Salary Range £67,023 - £74,470 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: Credit Officer HOURS: Full time LOCATION(S): Birmingham or Leeds WORKING PATTERN: Hybrid, 40% (or two days) in an office location Job Description About this opportunity Mid Corporate Credit is looking for a talented new colleague to join our team at Credit Officer level. The Mid Corporate Credit team works in close partnership with Coverage and Product teams to deliver responsible, sustainable credit risk solutions that help both our customers and our business grow. Our Mid Corporate customers are UK-focused businesses with revenues of £25m-£500m per annum, and this is a segment where we are investing significantly to support ambitious growth plans. With Mid Corporate growth a core priority for the Group, this role offers an exciting opportunity to build your experience, broaden your impact, and develop your career across the wider Chief Credit Office and the Group. We play a pivotal role in shaping credit process, policy and strategy, assessing customer creditworthiness, structuring and sanctioning transactions, and monitoring portfolio performance.

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