Credit Officer - CIB Financial Institutions - Financial Sponsors

This review provides an in-depth look at the Credit Officer - FI Credit position at Lloyds Banking Group, designed to help prospective candidates understand the exciting career path and key advantages this role offers.

Opportunity Overview:

The Credit Officer role within the Financial Sponsors Credit team at Lloyds Banking Group presents a compelling opportunity for experienced credit professionals. You will be instrumental in managing the credit quality of a portfolio of Financial Sponsors clients, including top-tier Private Equity, Secondaries, and Private Debt Managers. This role is more than just risk assessment; it's about actively supporting business growth by providing crucial input on fund finance facilities, gearing, liquidity, and GP support. Furthermore, you'll gain exposure to significant FX portfolios, contributing to the provision of hedging solutions.

Key Advantages for Candidates:

• Career Progression and Learning: Lloyds Banking Group places a significant emphasis on empowerment, career progression, and continuous learning and development. As a Credit Officer, you'll have a varied workload with ample opportunities to expand your knowledge across different portfolios within the wider FI Credit team (including Securitisations, Banks & Intra-group, and Insurance). The collaborative team culture fosters a supportive environment where learning is constant.
• Impact and Influence: This role offers a chance to make a tangible impact. You will be involved in preparing credit submissions, presenting to sanctioning officials, and as your confidence grows, you'll have the opportunity to lead client due diligence calls and actively shape deal structures. This is a chance to influence outcomes and contribute to strategic business decisions.
• Work-Life Balance and Flexibility: The organization is committed to work-life balance and offers flexible working options, including hybrid working (at least two days per week in the office) and flexibility in when hours are worked. This acknowledges the importance of personal well-being and allows for a more integrated approach to work and life.
• Collaborative and Engaging Culture: The FI Credit team is described as friendly, curious, and passionate about risk management and building strong client relationships. This suggests a dynamic and supportive work environment where collaboration and a proactive approach are valued.
• Comprehensive Benefits Package: Beyond the core role, candidates can expect a generous benefits package. This includes a substantial pension contribution, annual performance-related bonuses, share schemes, lifestyle-adaptable benefits, ample holiday allowance, and a focus on employee well-being and parental leave.
• Purpose-Driven Organization: Lloyds Banking Group has a clear purpose: "to help Britain prosper." Joining this organization means contributing to a larger mission that impacts customers, businesses, and communities, offering a sense of purpose and fulfillment in your work.

Key Considerations for Candidates:

• Experience Requirements: The role requires significant credit experience with a demonstrated ability to analyze credit risk and shape deal structures. A background in Financial Services, specifically within Banking, is essential.
• Technical Skills: While not always mandatory, an understanding of derivative products (particularly FX), lending products, and associated legal documentation would be highly beneficial. Comprehensive knowledge of banking, related products, regulations, and credit approval processes is expected.
• Soft Skills: Strong organizational skills are crucial for managing multiple requests, prioritizing workloads, and meeting deadlines. Clear and concise communication, both verbal and written, is paramount. The ability to work effectively as a team player in a fast-paced environment and build trusting relationships with stakeholders is also vital.
• Industry Knowledge: Familiarity with the Funds sector, including its trends, horizon risks, and regulation, will be a strong asset.
• Adaptability: The role operates within a dynamic and fast-paced environment, requiring adaptability and the ability to coordinate multiple work streams to meet tight timelines.

Career Path Guidance:

This Credit Officer position is an excellent springboard for individuals looking to deepen their expertise in financial institutions and credit risk. The exposure to diverse portfolios and client types, coupled with the opportunity to shape deal structures, provides a solid foundation for advancement within credit, risk management, or relationship management functions. The company's commitment to development means that motivated individuals can expect support in acquiring new skills and taking on greater responsibilities.

In summary, this Credit Officer role at Lloyds Banking Group offers a rewarding career path with significant learning opportunities, the chance to make a real impact, and a supportive work environment. Candidates with a strong credit background, a desire for continuous growth, and an interest in the financial institutions sector will find this opportunity particularly attractive.