Credit Officer - Mid Corporate

End Date Tuesday 27 October 2026

Salary Range
67,023 - 74,470

We support flexible working –  for more information on flexible working options

Flexible Working Options Hybrid Working, Job Share

Job Description Summary

- Job Description

JOB TITLE:

Credit Officer SALARY: 67,000 - 74,400

LOCATION(S):
Birmingham, Edinburgh, Manchester or Leeds

HOURS:

Full time WORKING PATTERN:
Hybrid, 40% (or two days) in an office location listed above

About this opportunity

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.

What you’ll be doing :

Conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made. This involves the analysis of company prepared information, market due diligence, and identifying key strengths and risks. Submissions include new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.

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.

Undertake customer, sector and market research to ensure assessments have an external dimension and seek to apply sound judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal. This may include sensitivity analysis of internal/external cash flow models.

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.

We offer a supportive and stimulating environment where learning, teamwork and personal development are genuinely valued. You’ll join a high-profile, fast-paced team with the opportunity to make a real impact, while working alongside experienced colleagues who are committed to delivering positive outcomes, embracing innovation and continually simplifying the way we work.

What you’ll need:

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…