Credit Officer - Cib Corporate Credit - Consumer & Technology Sector

End Date
Wednesday 20 March 2024
Salary Range
£0 - £0
We support agile working - click here for more information on agile working options.
Agile Working Options
Hybrid Working, Job Share, Other Agile Working Arrangements / Open to Discussion
Job Description Summary
JOB TITLE: Corporate Credit Officer
LOCATION(S): London
HOURS: Full time
WORKING PATTERN: Two days per week (or 40% of your time) at one of our Risk hub offices.
We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone. Including you.
At Lloyds Banking Group our primary purpose is to help Britain prosper...
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.
Job Description
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 Corporate 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.
• 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.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
  
• An annual performance-related bonus
  
• Share schemes including free shares
  
• Benefits you can adapt to your lifestyle, such as discounted shopping
  
• 30 days’ holiday, with bank holidays on top
  
• A variety of wellbeing initiatives and generous parental leave policies
  

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.
Ready to start growing with purpose? Apply today!
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 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.