Your role

As a Credit Officer, you are at the centre of prudent risk‑taking and sustainable growth within the bank’s corporate lending business. You take ownership of complex credit decisions across a growing portfolio, ensuring that transactions are well‑structured, risks are clearly understood, and lending remains aligned with the bank’s risk appetite and regulatory standards.

This role offers the opportunity to influence credit outcomes from the earliest stages of deal origination through to approval and ongoing monitoring. You work closely with senior stakeholders across Risk, Front Office, Products, and Management, applying sound judgement, deep credit expertise, and constructive challenge. Beyond individual transactions, you play a key role in strengthening portfolio resilience, developing colleagues, and continuously improving the way credit risk is managed.

A day in the life of a Credit Officer

You start the day in discussion with relationship managers and product partners, shaping new or evolving financing proposals and providing early credit input. Together, you explore structures, assess risk‑return trade‑offs, and identify what is needed to move proposals forward within risk appetite.

As the day unfolds, you focus on in‑depth credit analysis—reviewing financial statements, cash‑flow forecasts, and models prepared by clients or internal analysts. You challenge assumptions, apply sensitivities, and assess downside scenarios to form a clear view on credit quality and internal ratings. These insights are distilled into concise, well‑structured credit submissions tailored for senior approvers.

Alongside new business, you review portfolio performance, spot emerging risks, and ensure policy and regulatory compliance. You align with colleagues on sector developments, coach team members on complex cases, or contribute to initiatives aimed at improving credit processes and ways of working.

By the end of the day, you have not only supported sound credit decisions, but also strengthened the foundations for a resilient, forward‑looking credit risk function.

Which team will you be joining?

The Corporate Lending RMC team, which is part of the wider Risk Management & Controlling (RMC) department at Lloyds Bank GmbH, is a team composed of 8 people with a focus on corporate lending. Our team is at the forefront of identifying, assessing, and mitigating financial risks to ensure the bank's resilience and success. We are a diverse group of professionals who thrive on collaboration, innovation, and excellence and value who you are as much as what you can do.

What Are We Looking For?

You are an experienced credit professional with strong judgement and the ability to assess and articulate risks in complex corporate lending transactions. You bring deep expertise in financial analysis, cash‑flow forecasting, and credit structuring, and are confident applying internal rating methodologies and challenging assumptions through sensitivities and downside scenarios.

You balance commercial objectives with prudent risk management, ensuring credit decisions are well‑reasoned, policy‑compliant, and aligned with the bank’s risk appetite. You proactively identify transaction, portfolio, and sector risks and ensure they are appropriately structured, monitored, and escalated when needed.

Collaboration comes naturally, you work closely with relationship managers, product specialists, and senior stakeholders to shape viable proposals and support informed credit decisions. Beyond individual cases, you contribute to portfolio oversight, sector reviews, and continuous improvements in credit processes, while coaching colleagues and helping to build a resilient, forward‑looking credit function.

Who are you and what do we ask from you?

5-7 years of experience in such a role in corporate banking
Strong critical analysis skills.
Ability to establish strong working relationships with a variety of stakeholders.
Demonstrable high levels of attention to detail, numeracy, and accuracy.
Strong influencing skills and ability to communicate effectively at all levels and across different audiences, with strong written and verbal communications skills.
Ability to prioritise multiple requests and competing demands.
Good product knowledge of lending, trade finance and derivatives.
An inquisitive nature, independent thinking, adaptability to new challenges and a willingness to learn.
An existing understanding of financial modelling.

Some highlights of our benefits for you!

13th month salary, either paid monthly or once a year in December
30 days PTO (or 240 hours) per year (based on fulltime employment)
Non-contributory pension scheme
Flexible working; you can schedule your work hours to meet your personal needs

Would you like to join us?

Excellent! Share your resume and motivation letter via Recruitment@Lloydsbank.nl.

Lloyds Bank NL vacatures

Credit Officer

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