Credit risk Work, Jobs in Birmingham (with Salaries)

Credit Officer - Mid Markets
Lloyds Banking Group —Birmingham
- £67,023 - £74,470 a year
- Full-time
- Hybrid work
- Communication skills
5d
Fraud Investigator
BNP Paribas —Solihull
- Full-time
- Hybrid work
- Financial services
- Employee discount
- Life insurance
7d
Credit Hire Claims Handler
1010 Solutions —Birmingham
- Up to £30,000 a year
- Full-time
- Organisational skills
- In-person
- Communication skills
Quick apply
Credit Portfolio Manager
OSB Group —Wolverhampton
- £60,000 - £70,000 a year
- Full-time
- Analysis skills
- Travel
- Communication skills
- Annual leave
AML & Conflicts Analyst (12 Month Fixed Term Contract)
Trowers & Hamlins —Birmingham
- Hybrid work
- Organisational skills
- Communication skills
Quick apply
Security Officer
ISS Facility Services —Birmingham
- £14.39 an hour
- Night shift
- Microsoft Word
- Microsoft Excel
- Customer service
Head of Risk & Compliance
Fair For You Enterprise CIC —Coventry
- £50,000 a year
- Part-time
- Hybrid work
- Management
- Presentation skills
- Free parking
- Life insurance
Quick apply
1d
Credit Controller
Fisher German —Birmingham
- Part-time
- Hybrid work
- Microsoft Word
- Microsoft Excel
- Microsoft Outlook
- Employee assistance programme
Product Manager - Credit Risk
Sidetrade —Birmingham
- Full-time
- Hybrid work
- Oracle
- English
- Analysis skills
- Annual leave
- Life insurance
Quick apply
Investment Risk Manager
AOM Investment and Asset Advisory —Birmingham
- £55,000 - £70,000 a year
- Full-time
- Microsoft Excel
- Analysis skills
- Bachelor's degree
- Sick pay
Quick apply
7d
Legal PA – Dispute Resolution
Fieldfisher —Birmingham
- Full-time
- Microsoft Powerpoint
- Microsoft Word
- Microsoft Excel
- Work from home
OSS Technician
Hitachi Rail —Birmingham
- Full-time
- English
- Travel
- IT
- Flexible schedule
14d
Credit Hire Paralegal/Litigation Executive
Flint Bishop —Birmingham
- Full-time
- Supervising experience
- IT
- Time management
- Employee discount
Quick apply
OSS Technician
Hitachi —Birmingham
- Full-time
- English
- Travel
- IT
- Flexible schedule
14d
Fraud Professional - Senior
BNP Paribas —Solihull
- Full-time
- Hybrid work
- Financial services
- Employee discount
Investment Risk Analyst
LGPS Central —Monmore Green
- Full-time
- Hybrid work
- Microsoft Excel
- SQL
- Analysis skills
- Annual leave
- Employee assistance programme
Quick apply
Credit Control Manager
Rider Levett Bucknall —Birmingham
- Full-time
- Hybrid work
- Microsoft Excel
- ERP systems
- Continuous improvement
- Gym membership
Quick apply
1d
Surety Broker
Exance Services Limited —Birmingham
- £35,000 - £55,000 a year
- Full-time
- Hybrid work
- Construction experience
- Negotiation
- Health & wellbeing programme
- Bereavement leave
Quick apply
14d
Supported Living Case Worker (Full-Time)
Non Violentiam cic —Birmingham
- £13 - £16 an hour
- Full-time
- Microsoft Word
- Microsoft Excel
- Microsoft Outlook
- Referral programme
Quick apply
3d
Credit Services Administrator
SCC —Birmingham
- £26,227.50 a year
- Monday to Friday
- Hybrid work
- Analysis skills
- Communication skills
8d

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Credit Officer - Mid Markets

Lloyds Banking Group -
Birmingham

Apply Now

Job details

Full-time
£67,023 - £74,470 a year
5 days ago

Benefits

Company pension

Qualifications

Financial analysis
Communication skills

Full job description

End Date

Thursday 30 July 2026

Salary Range

£67,023 - £74,470

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

Monitor and support a range of credit risk management processes and systems including credit sanctioning decisioning. Supporting the efficient and effective production of high quality analysis, anticipating stakeholder needs.

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

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 the ability to collaborate.
Financial markets experience would be an advantage, but not essential.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

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.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

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

If you’re excited by the opportunity to make an impact in a high-performing team and grow your career in a business-critical area, 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.

Apply Now

Refine Your Search

credit risk jobs in birmingham

Credit Officer - Mid Markets

Fraud Investigator

Credit Hire Claims Handler

Credit Portfolio Manager

AML & Conflicts Analyst (12 Month Fixed Term Contract)

Security Officer

Head of Risk & Compliance

Credit Controller

Product Manager - Credit Risk

Investment Risk Manager

Legal PA – Dispute Resolution

OSS Technician

Credit Hire Paralegal/Litigation Executive

OSS Technician

Fraud Professional - Senior

Investment Risk Analyst

Credit Control Manager

Surety Broker

Supported Living Case Worker (Full-Time)

Credit Services Administrator

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