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Credit Officer - Insurance - Financial Institutions

  • Salary range
    £89,739 - £99,710
  • Location
    London
  • End date
    Thursday 19 March 2026
  • Job type
    Permanent
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Posted date

Posted 15 days ago

Job ID

151946

We're rebooting an icon and building the future of finance.

Find out why you should join us.

Agile Working Options

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

Job description

We are currently seeking a dynamic and enthusiastic individual to join our Insurance team as a Credit Officer. This role involves conducting comprehensive credit analysis and making well-informed recommendations on lending, trading limits, and internal ratings for our Insurance client base.

About the team:

FI Credit is an exciting place to work. We are curious and friendly. We challenge existing ways of working and seek ways to simplify and automate, so we can focus on what matters. We collaborate closely with Coverage and Product teams and view ourselves as business enablers. We are passionate about risk management and dedicated to supporting our business partners in building sustainable and long-lasting client relationships.

About this Opportunity:

As a Credit Officer in FI Credit - Insurance, you will have a primary focus in the Insurance (Brokers, Life insurance, Non-life insurance, Lloyd's of London). Initially your responsibilities will include credit analysis and recommendations on lending, trading limits, and internal ratings for clients. Over time, we aim to empower you with delegated credit authority, enabling you to make important decisions on the insurance portfolio.

Here's where you’ll make a difference:

  • Manage your own portfolio and use your insight to incorporate a forward view of horizon risks in your credit papers and discussions with partners.
  • Proactively contribute to sector strategy and appetite, credit policies and processes for your own and the wider sector portfolio.
  • Build positive relationships to become a trusted business partner for our well-regarded Coverage and Product colleagues and help drive collegiate working across FI Credit.
  • Take ownership of data integrity and champion simplification initiatives.

What you’ll need:

  • In-depth knowledge of the Insurance sector and its dynamics.
  • Robust understanding of financial and non-financial analysis of Insurance firms.
  • Formal Credit and Insurance sector training preferred.
  • Sound understanding of banking products extended to insurance firms and their credit risk assessment.
  • Self-motivation with a strong willingness to learn. Able to quickly up-skill in relation to new products, sectors and changes in the external environment.
  • Strong written and oral communications skills. Able to present complexity in an understandable way.

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.

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 aim for 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 our recruitment process, just let us know.

This is a once in a career opportunity to help shape your future as well as ours. Join us and grow with purpose!
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Think all banks are the same? You'd be wrong.

We're a fast paced, forward thinking business that's shaping finance as a force for good.
A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

Think all banks are the same? You'd be wrong.

We're a fast paced, forward thinking business that's shaping finance as a force for good.
A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

Benefits that work for you

Our benefits are designed to support you both in and out of work. We offer a competitive pay and benefits package including health insurance, pension, holiday allowance, family leave and flexible working. 

Benefits

Development and progression

With us, your development is a priority, and we’ll ensure you have the right tools to grow and learn.

Development and progression

Our offices

Our newly renovated offices boast state-of-the-art tech and top-class facilities to help colleagues to connect, collaborate and thrive in an environment so they can do their best work for our customers. 

Our offices

A talent community for you

Not ready to apply for anything just yet? Don't worry, join our talent community. We're matching amazing people to new opportunities every single day.
 

Join our talent community

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.