Trade jobs in United Kingdom

End Date

Saturday 12 April 2025

Salary Range

£0 - £0

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

TITLE: Senior Credit Officer (Director) - Trade Finance & Working Capital
LOCATION: London
HOURS: Full-time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

An exciting opportunity to join LBG’s CIB Credit team as a Senior Credit Officer playing a leading role in enabling Credit’s support for the Bank’s ambitious Trade & Working Capital growth strategy across core trade, open account trade and structured trade. A proven self-starter, drawing upon a strong trade credit risk background and excellent stakeholder management skills, you will lead the team to be a best-in-class trade & working capital credit team.

Job Description

Key responsibilities will include:

• Fostering a collaborative environment between the First Line of Defence (1LOD) and Second Line of Defence (2LOD) by promoting open communication, teamwork, and mutual understanding to enhance risk management practices.
• Bridging the gap between the two lines of defence by facilitating Credit’s ability to support Trade & Working Capital’s growth strategy and entrenching a consistent and efficient Credit risk management approach.
• Reviewing and signing-off new transactions across core trade, open account trade and structured trade, while supporting the wider Credit team in analysing and assessing transactions. Provide insight into and critical assessment of operational processes.
• Working with Product and Product Risk to ensure the data framework is appropriate and review key trends, connections, and concentrations across the trade portfolio then provide key recommendations.
• Introducing and implementing industry best practices to enhance efficiency, compliance, and overall operational effectiveness across product governance, policy, and operational process.
• Representing Credit at Trade product and portfolio governance/approval forums.
• Creating and delivering training and mentoring programs on Trade and Working Capital to support development of the wider CIB Credit team’s skills and capabilities.
• Taking the initiative to drive projects and improvements by proactively identifying opportunities for enhancement and leading efforts to implement changes.
• Working in a high profile, professional, and demanding environment committed to putting people first, being bold, trusting each other, and embracing our differences.
• Ultimately Line Managing direct reports and playing a key role in their career development. Coaching other colleagues throughout CIB Credit.

We’re renowned for nurturing and developing our team members so you’ll also be coaching colleagues, providing specialist training and helping to transition us into a risk function of the future!

What you’ll need:

• A strong Credit background in Trade Finance across corporates and financial institutions covering core trade, open account (receivables, payables and inventory finance) and structured trade including trade lending and borrowing base transactions.
• An understanding of credit models including PDs and LGDs.
• Good operational understanding of Trade & Working Capital Products.
• At the forefront of the latest market and product trends including open account platforms.
• Track record in identifying and delivering change.
• Experience of demonstrating sound judgement and decisiveness.
• Sophisticated financial and non-financial analytical skills and critical analysis skills.
• Advanced knowledge of documentary terms.
• Ability to establish strong working relationships with a variety of stakeholders.
• Demonstrable high levels of attention to detail, numeracy, and accuracy.
• Experience of leading teams and line management.
• Ability to communicate effectively at all levels and across different audiences including Senior Sanctioners on complex issues / risks, with strong written and verbal communications skills.

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

We'll help you perform at your best today, so you can fulfil all your potential in the future. We know that success is built from the inside out through our people. In return for your expertise, you’ll enjoy our total dedication to your ongoing personal and professional development.

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 want our people to feel that they belong and can be their best, regardless of background, identity or culture.

If you’d like reasonable adjustments to be made 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.