Senior Credit Officer - Mid Markets

End Date Wednesday 02 September 2026

Salary Range £85,493 - £100,580

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

Hybrid Working, Job Share

JOB TITLE:

Senior Credit Officer

SALARY: £85,500 - £100,500

LOCATIONS:
Birmingham, Leeds, Edinburgh or Manchester

HOURS:

Full-Time

WORKING PATTERN:
Hybrid - Minimum two days per week (or 40% of your time) at one of the above office locations.

The Mid Markets 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 Markets customers are UK-focused businesses with revenues of £50m - £500m per annum and this is a segment we're investing significantly to support ambitious growth plans.

This is a senior credit leadership opportunity with responsibility for identifying, evaluating and sanctioning credit risk across the strategically important Mid Markets portfolio.

You will influence the evolution of credit policy and process, partner with senior partners, and ensure credit appetite and risk is clearly understood, well controlled and aligned to sustainable growth.

The role carries a material delegated lending discretion, giving you authority to shape outcomes on important customer and portfolio decisions.

As LBG continues to invest in Mid Markets, this role offers an exciting opportunity to build your experience, broaden your impact and play a central role in supporting our growth plans alongside helping build a forward-looking, high-performing credit function.

This is an opportunity to combine strong technical judgement with visible leadership, commercial insight and practical influence across a key area of the business.

You'll join a supportive, high-profile and fast-paced team where your judgement and leadership will make a tangible difference.

We value learning, collaboration and personal development.

• Grow:
  Apply credit risk appetite to support sustainable growth through the cycle, including the analysis, rating, structuring, sanctioning and monitoring of Mid Markets relationships with revenues of £50m - £500m.
• Bring sophisticated financial and non-financial analysis, strong transaction structuring capability and, ideally, experience in cash flow-based lending.
• Build trusted partnerships with across the Mid Markets team, translating business strategy into well-structured growth.
• Provide early, solutions-oriented advice on business opportunities, balancing risk appetite with the Group's growth ambitions.
• Own the effectiveness of the end-to-end credit process, driving continuous improvement, pace and quality of decision-making.
• Champion the growth of Mid Markets credit colleagues, attracting, developing and retaining diverse talent.
• Create an environment where colleagues can learn, perform and thrive, with clear focus on development, wellbeing and high standards.

• Exercise delegated credit authority with confidence, sound judgement and clear accountability for decision quality.
• Take ownership of portfolio growth and credit performance, proactively strengthening portfolio management and presenting clear risk insight to the wider team.
• Provide credit expertise on portfolio, sector and product reviews, including concise and credible engagement with senior stakeholders.
• Motivate colleagues to deliver consistently against expectations, raising performance through coaching, clarity and constructive challenge.
• Support strong first-line credit stewardship, applying clear credit risk principles and providing constructive, well-evidenced challenge.
• Role model LBG values and behaviours, and deputise for the Head of Credit when required.

• Help lead a significant change agenda across LBG, particularly in developing business with trading companies and expanding cash flow-based lending capability.
• Act as an ambassador for change, encouraging a growth mindset and helping teams adopt new ways of working with confidence.
• Drive simplification, efficiency, empowerment, automation and smarter use of data to create a faster, more effective…