End Date
Sunday 27 July 2025
Salary Range
£0 - £0
We support flexible working – click here for more information on flexible working options
Flexible Working Options
Hybrid Working, Job Share
Job Description Summary
JOB TITLE: Senior Credit Analyst - CIB Corporate

SALARY: £51,777- £63,283

LOCATIONS: Edinburgh, Leeds or Birmingham
HOURS: Full Time
WORKING PATTERN: Hybrid, 40% (or two days) in an office site.
At Lloyds Banking Group, we have a clear purpose; to help Britain prosper and to become the best Financial Services provider for our customers. Through our brands, our Group has a relationship with just about every household and community in the UK. We underpin the lives of millions of individuals and businesses, and play a key role in helping to build a growing UK economy.
An exciting opportunity to join us in the Food, Drink and Retail Credit team within the wider Industry Sectors Credit Team supporting our colleagues across Corporate & Institutional Coverage and Product Partners.
Job Description
You will support a Credit Officer in the risk management of a portfolio of clients within the Food, Drink and Retail portfolio within CIB. The role sits within the wider Construction, Transport, Consumer and Technology credit team, supporting the delivery of sustainable growth. We are a key function within Commercial Banking Risk, providing robust and dynamic credit assessment of large corporate customers (£100m+ revenue), and monitoring them on a sector basis. This is an exciting time to join our team, as we pivot to support new clients, and expanding what we do with our existing clients.
Large Corporates Credit offers a very accommodating learning environment, with an emphasis on collaboration and personal development. This is an exciting opportunity for you to develop your risk and credit analysis skills in a core market for the bank. Working in a high profile and demanding environment committed to delivering core group values.
We are looking for people with an enquiring mind, wanting to develop objective and independent credit skills.

Core responsibilities include:

• Conducting independent credit assessments of new credit proposals and preparing reports for sanctioning officials to enable informed decisions to be made. This involves analysis of company prepared information, broker reports and company financial documents, as well as other meaningful information, and identifying key strengths and risks. Submissions include new to bank business, increased lending and to a lesser extent, annual credit reviews.
• Undertaking research using business press, credit rating and broker agencies, to ensure assessments have an external dimension, and applying judgement to ensure relevant material information is included when evaluating the strengths and weaknesses of a credit proposal. This will also include sensitivity analysis and use of the bank’s modelling systems.
• Liaising with relationship managers where necessary to craft credit proposals in order to maintain a balance of risk and reward for LBG.
• Monitoring and control of credit exposures, to identify situations which may increase risk to the bank, communicating with senior colleagues and other interested parties as appropriate, as well as compliance with LBG policy and regulatory policy.
• Acting as a point of reference for credit issues within the various sectors. You will be involved in assisting the preparation of periodic sector reviews to assess evolving horizon risks.
• Maintenance of internal records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting.

About you, here’s what we are looking for:

• Ability to establish strong working relationships with a variety of stakeholders.
• Relevant Credit / Risk / Relationship Management experience.
• Strong critical analysis skills.
• Ability to prioritise multiple requests and competing demands.
• Demonstrable high levels of attention to detail, numeracy, and accuracy.
• Ability to communicate effectively at all levels and across different audiences, with strong written and verbal communications skills.
• An inquisitive nature, independent thinking, adaptability to new challenges, and a willingness to learn.

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
• 28 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

About working for us
Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We’re committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.
As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern. We also provide adjustments that are reasonable throughout the recruitment process to reduce or remove barriers for applicants with a disability, long-term health condition or neurodivergent condition. If you’d like an adjustment to the recruitment process just let us know
If you’re excited by the thought of becoming part of our team, get in touch.
We’d love to hear from you.
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

• Conducting independent credit assessments of new credit proposals and preparing reports for sanctioning officials to enable informed decisions to be made. This involves analysis of company prepared information, broker reports and company financial documents, as well as other meaningful information, and identifying key strengths and risks. Submissions include new to bank business, increased lending and to a lesser extent, annual credit reviews.
• Undertaking research using business press, credit rating and broker agencies, to ensure assessments have an external dimension, and applying judgement to ensure relevant material information is included when evaluating the strengths and weaknesses of a credit proposal. This will also include sensitivity analysis and use of the bank’s modelling systems.
• Liaising with relationship managers where necessary to craft credit proposals in order to maintain a balance of risk and reward for LBG.
• Monitoring and control of credit exposures, to identify situations which may increase risk to the bank, communicating with senior colleagues and other interested parties as appropriate, as well as compliance with LBG policy and regulatory policy.
• Acting as a point of reference for credit issues within the various sectors. You will be involved in assisting the preparation of periodic sector reviews to assess evolving horizon risks.
• Maintenance of internal records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting