**End Date**Sunday 22 March 2026**Salary Range**£67,023 - £74,470**Flexible Working Options**Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours**Job Description Summary**-**Job Description**JOB TITLE: Credit Officer – Portfolio and Policy ManagerSALARY: £65,385 - £72,650LOCATION: Birmingham, Bristol and LeedsHOURS: Full-timeWORKING 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.A high‐impact role shaping credit policy and portfolio risk across Lloyds Banking Group, influencing outcomes at scale.**About this opportunity**Credit Portfolio & Policy Management is a core team within the Chief Credit Office in Risk Division, responsible for a number of key credit risk activities including the oversight of single risk types, proactive Credit, Country and ESG Risk Appetite, Credit Portfolio Management and ensuring the operational effectiveness of the CCO function.This role provides an exciting opportunity in the Credit Portfolio Management team to support the delivery of Credit Portfolio Risk across LBG, with a focus on BCB portfolio, also support our relationship with the PRA, and develop, design and communicate all credit policies, frameworks and Credit Authority Delegations from Group and RFB. The role is an excellent stepping stone to more senior positions, and will help build stakeholder management, networks and provide close working relationships with senior credit, Business and Products colleagues. This role plays a significant part in developing our understanding and proactive response to credit portfolio performance and also supporting our relationship with the regulator.**Day to day, you will:*** Support maintenance of an up-to-date, accurate, relevant and simple set of credit policies, reflective of agreed risk appetite.* Ensure continuous and robust credit policy governance and control; including RCSA management.* Develop oversight activities to support the group assess policy compliance.* Assess and challenge policy compliance reporting throughout LBG.* Supporting management of the Credit Authority Delegation (CAD) Framework.* Helping to simplify the credit policy landscape, removing duplication and aligning to Group Strategy to ensure the framework supports the codification of the Credit Policies as part of the Credit Transformation work.* Implementing, communicating and supporting embedding of credit policy and guidance to ensure they are understood and used effectively by credit and the business.* Simplifying and streamlining Policy Partner (SharePoint) to ensure end users can navigate effectively and locate the materials they require.* Supporting responses to credit information requests from stakeholders (Regulators, Board and Executives, Investor Relations and Finance) for your business areas.* Scanning the horizon for economic, regulatory and accounting issues which may impact our portfolios.* Managing, reporting and escalating changes to Credit Policy, Strategy, Appetite, Mandates and Test & Learn Programmes through a robust materiality assessment and change log process.**Why Lloyds Banking Group**We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone. Including you.Desirable skills would be:* Ideally, a good level of knowledge of Credit Risk, Business/Commercial awareness, and the wider risk management framework.* A good understanding of Consumer and Commercial Credit products, portfolios and underwriting processes* A proven track record of delivering high quality outputs, articulating key information clearly and concisely for use at senior level.* Passionate to inspire change to deliver simple yet effective solutions at pace.* A desire to build a strong knowledge of the operating model and risk landscape of the Chief Credit Office, using this to shape innovative solutions.**About working for us**Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.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**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.**With 320 years under our belt, we\'re used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers.Here, you\'ll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future. #J-18808-Ljbffr Salary: GBP 58000 - 65000 per year Experience: 3 years required