Credit Officer - Mid Corporate

Overview

In this role, you assess credit risk for mid-corporate clients to support informed sanction decisions. You work closely with coverage and product teams to balance risk and reward, shaping credit proposals and monitoring portfolio health. You will operate within a fast-paced, collaborative environment that values learning and development. The role offers impact across policy, process, and growth initiatives, with hybrid working across Leeds, Edinburgh, Birmingham, or Manchester.

Pay / Benefits

• Pension contribution up to 15%
• Annual performance-related bonus
• Share schemes including free shares
• Discounted shopping
• 30 days’ holiday plus bank holidays
• Wellbeing initiatives and parental leave policies

Responsibilities

• Conduct independent credit assessments for sanctioning decisions based on company data, market due diligence, and risk analysis
• Prepare and shape structured credit proposals with originators, relationship managers, and product partners
• Monitor credit exposures and maintain compliance with policy and regulatory requirements
• Undertake customer, sector, and market research to ensure robust lending assessments including cash flow sensitivity
• Maintain accurate records to meet data quality and reporting standards
• Assess transactions against Group Policy and oversee deal origination alignment

Key requirements

• Strong credit risk experience
• Background in credit risk and financial analysis, ideally cashflow-based lending
• Experience preparing credit papers for senior sanctioning officials
• Strong communication and influencing skills, ability to challenge the status quo
• Ability to balance conflicting demands and deliver to tight timescales
• Good judgement, attention to detail, collaborative mindset
• Financial markets experience is advantageous
• Communication
• Influencing skills
• Collaboration
• Credit risk analysis
• Financial analysis
• Cashflow-based lending

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