Senior Credit Analyst, Lloyds
SME Credit Decisioning
£43.8-48.7k
+ annual performance-related bonus and Share schemes including free shares
2 days a week in office
Retail and commercial bank
Be an early applicant
Retail and commercial bank
1001+ employees
Be an early applicant
£43.8-48.7k
+ annual performance-related bonus and Share schemes including free shares
2 days a week in office
1001+ employees
Company mission
To support families and businesses, helping them to take the next step, whatever that may be.
Role
Who you are
- Experienced analytical problem solver – strongly evidence the ability to work creatively and accurately with complex data to derive clear insights and answer business questions
- Analytical coding expertise – practical experience of using analytical software for coding, such as SAS or SQL, to deliver actionable insight. You’ll also be confident using Microsoft Office
- Credit Risk – you’ll have a good understanding and practical experience managing credit risk using automated strategies and scorecards
- Effective communication - Builds positive relationships with people across the Group and able to clearly explain complex issues and insights to different audiences, both verbally and non-verbally
- Growth mindset - Proactive, resourceful, collaborative, build/maintain resilience in the face of changing priorities
Desirable
- Strong numerate skills and qualifications (either A-Level or Degree)
- Experience of PowerBI
- Experience with Risk & Control, e.g. RCSA
- Experience in both personal and business lending
What the job involves
- An exciting opportunity has arisen for three Senior Credit Analysts in the SME Credit Decisioning team within the Chief Credit Office to support the delivery of a Commercial Real Estate (CRE) strategy!
- You'll be responsible for developing analysis and monitoring that supports our strategic vision for data led CRE Credit Strategies. These strategies are critical in supporting business growth whilst ensuring we continue to lend to customers responsibly, as well supporting our customers and mitigate the ongoing risk of lending
- You'll build your experience and knowledge in all things SME, form strong relationships across multiple areas of the Bank and contribute more broadly to the Business & Commercial Banking Credit Strategy & Insights team goals
Application process
- End Date: November 12, 2025
Our take
Lloyds Bank, part of Lloyds Banking Group, began operations back in 1765 and is nowadays one of the UK’s leading retail and commercial banks. As with many leading banks, the company has dealt with its share of controversy – including for its handling of PPI complaints in 2015, and the 2009 European Commission ruling that forced it to part ways with TSB – but it has nonetheless stood the test of time and worked to build back its public reputation in the wake of these setbacks.
Of the company’s 26 million customers, over 18 million of them are online, making it the largest UK digital bank. As part of its ongoing digital transformation, the company is seeking to put the cloud at the front of its services and systems, and has cited intentions to invest heavily in overhauling its current technology infrastructure. All this seeks to serve the modern banking customer, and to compete with the fast-increasing number of alternative banking options appearing on the market.
Recently, Lloyds Bank has shown great interest in facilitating innovation in the industry, joining as a partner on FinTech Action Labs (a FinTech accelerator programme) to bring its industry expertise to early-stage FinTechs. As well as investment in digital transformation and AI, the company is enhancing its wealth product and corporate banking offerings, as well as expanding its partnerships with digital banking companies.
Steph
Company Specialist at Welcome to the Jungle
Insights
-1% employee growth in 12 months
Company
Company benefits
- Flex cash: This is 4% of your basic salary and can be used to spend on the benefits of your choice, or you can choose to take it as a cash top up in your monthly salary.
- A generous holiday allowance: You’ll be eligible for a minimum of 22 days holiday (excluding bank holidays), rising to 30 days based on length of service and grade.
- A flexible way of working: Whether you want flexibility over your location or when you log on, together we can create an approach that works for you and for the business.
- Family leave: Up to 63 weeks of maternity or adoption leave. Statutory maternity or adoption pay is available for 39 weeks, and 20 weeks will be enhanced to the equivalent of full pay. Partners can have six weeks of fully paid paternity leave.
- Health insurance: Our company funded Private Medical Benefit provides all colleagues with access to good quality medical care, including accommodation, nursing care and specialist advice.
- Colleague Offers: Get discounts on everything from electrical items to cinema tickets and weekly food shopping. You can share this benefit with up to ten family members or friends.
- Financial products: Take advantage of our great financial products, some at a discounted rate, including current accounts, home and car insurance and loans.
- Share plans: Participate in Sharematch and receive matching shares of up to £45 a month from the company, and you can choose to participate in Sharesave, our combined savings and share option plan.
- Pension: We offer a generous pension plan, with all joiners being automatically enrolled in our 'Your Tomorrow' scheme. You can decide how much you save and get a say in where your contributions are invested.
Company HQ
City of London, London, UK
Leadership
Charlie Nunn
(Group Chief Executive, not founder)Spent nine years at HSBC, including as Group Head of Wealth Management and Digital, and as CEO of Wealth and Personal Banking.
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