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Senior Credit Analyst - SME Credit Decisioning

  • Posted 2 days ago
  • Permanent
  • 140560
  • Leeds, Birmingham, Edinburgh
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End date

Tuesday 26 August 2025

Salary range

£43,803 - £48,670

We support flexible working

Learn more about flexible working.

Agile Working Options

Job Share; Reduced Hours; Flexibility in when hours are worked; Hybrid Working

Job description

What you’ll be doing:

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.

What you’ll need:

  • 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.

And any experience of this would be really useful:

  • 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.

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
  • 28 days' holiday, with bank holidays on top
  • A range of wellbeing initiatives and generous parental leave policies

About working for us

Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms.

As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern.

We also provide adjustments that are reasonable throughout the recruitment process to reduce or remove barriers for applicants with a disability, long-term health condition or neurodivergent condition. If you’d like an adjustment to the recruitment process just let us know.

Ready to start growing with purpose? Apply today!
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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'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.