Job Details

Credit Officer, FI Credit

London, United Kingdom, £54,000 - £70,600 , Permanent

Posted: 19 hours ago


At Lloyds Banking Group, we're motivated by a clear purpose; to help Britain prosper. Across the Group, our colleagues are passionate about making a difference to customers, businesses and communities.

Want to know more?

Here in the Risk division, in FI Credit, we're passionate about risk management, and we want to support our business partners in building a sustainable business with strong and long term clients.We love to ask questions, challenge existing ways of working, and always look for ways to simplify things, so we can focus on what matters. We see ourselves as business enablers. We're passionate about our people, and have a huge focus on empowerment, career progression, learning & development, and work life balance.

About the role

As the Credit Officer for Central Clearing Counterparties (CCPs) & Intermediaries in Financial Institutions Credit, your initial focus will be on the credit quality of a portfolio that ranges from the largest exposures in Lloyds Banking Group - supporting the trading businesses for Lloyds Bank Corporate Markets and the Ring-Fenced Bank - to relatively small Foreign Exchange Brokers.

You'll be part of the Specialist Non-Bank Financial Institutions Credit Team which means you will also help cover Insurance, Specialist Finance and Securitisations. In time, you will collaborate on other portfolios in FI Credit, such as Banks & Intra-Group, Funds, Sovereigns and Wealth Management. If you're new to these sectors, we'll help you to learn how to analyse these fascinating industries and make well-reasoned recommendations to senior sanctioners.

Here's where you'll make a difference:

  • You'll manage your own portfolio and use your insight to incorporate a forward view of horizon risks in your credit papers and discussions with stakeholders.
  • You'll proactively contribute to sector strategy and appetite, credit policies and processes for your own and the wider portfolio.
  • You'll build positive relationships to become a trusted business partner for Coverage and Product and helping drive collegiate working across FI Credit.
  • Take ownership of data integrity and championing simplification initiatives.

We understand that traditional working hours don't suit everyone, so you'll have opportunities to undertake your role in an agile and flexible way, for example working non-standard hours or homeworking on a regular basis!

What you can bring to the role


  • You'll have strong written and oral communications skills
  • Be comfortable with numerical analysis
  • You'll be an enthusiastic teammate able to build strong partnerships beyond the team
  • You should have a sound understanding of the credit risk assessment of Non-Bank Financial Institutions or other larger corporates


  • An understanding of derivative and lending products would be helpful
  • Knowledge of CCPs or other sectors in financial institutions would be a distinct advantage

Does this sound like you?

If so, then please get in touch, we'd love to hear from you!

In return for bringing us your passion and engagement, we're offering a strong platform to fulfil your career potential whatever your aspirations may be. You'll be welcomed into a supportive team known for developing colleagues' skills, and who care deeply about their work.

As a team, we're keen to encourage diversity, and we're committed to the principles of agile working. We'll be pleased to consider applications from candidates wishing to work any flexible arrangement.

Lloyds Banking Group is committed to building a workforce which reflects the diversity of the customers and communities we serve, and to creating an inclusive work environment where all our colleagues can be themselves and succeed on merit.

We'll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

Whatever your aspiration, you can also expect excellent benefits, personal development and a career that's enriching and full of opportunity.

You'll also receive a package that includes:

  • Discretionary bonus
  • Cash sum of 4% which you can exchange for a variety of benefits or simply take the cash
  • Private Medical Insurance
  • Pension, where we'll give up to a max of 15%
  • Share plans
  • 30 days holiday (plus Public)

Job Details

Full Time
London, United Kingdom
£54,000 - £70,600