Credit Officer

Job Description

Our client Lloyds Banking Group is a leading UK based financial services group providing a wide range of banking and financial services, focused on personal and commercial customers. Lloyds Banking Group support a culture of Inclusion and opportunities todevelop to become the Bank of the future and Helping Britain Prosper.On behalf of Lloyds Banking Group. AMS are looking for a number of Credit Officers for a 6-month contract based in London hybrid 2 days per week in the office.Purpose of the Role:This is an exciting opportunity to join the Lloyds Banking Group team as a Credit Officer who plays a central role in supporting customers and Coverage deliver their growth objectives sustainably and with a clear focus on risk. You will be operating at theforefront of UK business working on a range of high-profile transactions and managing a portfolio with complex financial arrangements for customers within the Corporate Credit team.As a Credit Officer, you will be:

• Managing an active portfolio of counterparties (some of the largest companies in the UK and globally) in the Corporate Credit space covering Real State, Consumer, Business Services, Transport and industry sectors.
• Undertaking independent credit assessments of lending proposals (new opportunities and annual reviews) and developing a recommendation for presentation to sanctioners. This involves identifying, analysing, and succinctly articulating the key risks (financial,structural, operational, environmental), along with a clear recommendation, thus enabling informed decisions to be made.
• Using external research from a variety of sources including specialist information providers, credit rating agencies, and media reports to assess how a customer is positioned within an evolving external environment and identify situations that could increaserisk to LBG.
• Collaborating closely with originators, relationship managers, and product partners to shape credit proposals, set credit risk appetite, and to maintain a balance of risk and reward.
• Monitoring portfolio performance, escalating any emerging risks to senior management and other interested parties as appropriate, as well as ensuring compliance with LBG and regulatory policy.
• Partnering with key stakeholders to undertake periodic sector reviews aimed at identifying potential areas of weakness as well as opportunity.
• Lead credit focused meetings with external clients as well as internal stakeholders.
• Working in a high profile, professional, and demanding environment committed to putting people first, being bold, trusting each other, and embracing our differences.
• Drawing upon your prior Credit experience to help shape and improve team processes.

What we require from the candidate:

• Good knowledge and significant experience of corporate credit analysis, preferably experienced in covering energy companies (integrated, upstream, downstream, services), commodity traders, and/or energy transition technologies.
• Evidence of relevant credit experience assessing large corporates with a proven track record of consistent performance
• Strong knowledge of regulatory and compliance requirements, including ESG and energy transition assessments
• Demonstrable high levels of attention to detail, numeracy, and accuracy
• Understand and manipulate complex financial models (strong Excel skills are required)
• Ability to establish strong working relationships and work within a supportive yet ambitious team.
• Communicate effectively at all levels and across different audiences, with strong written and verbal communications skills.

Next stepsLloyds Banking Group will only accept workers operating via an Umbrella or PAYE engagement model.If you are interested in applying for this position and meet the criteria outlined above, please click the link to apply and we will contact you with an update in due course.AMS, a Recruitment Process Outsourcing Company, may in the delivery of some of its services be deemed to operate as an Employment Agency or an Employment Business