Credit Officer - Mid Markets
Core
Conduct independent credit assessments, analyze company information and market due diligence, and structure/sanction transactions for UK-focused mid-market businesses.
Role type
Mid-level credit risk officer (IC)
Builds
Credit risk solutions and lending proposals for UK businesses with £25m–£500m revenue
Domain
Banking / Financial Services / Credit Risk
Deliverable
production ML models | product features | dashboards & analysis | client delivery | infrastructure | physical/clinical work
Required skills
credit risk analysis, financial analysis, cashflow-based lending assessment, credit paper preparation, market due diligence, risk mitigation, regulatory compliance, data quality management, deal origination oversight
Preferred skills
financial markets experience, sensitivity analysis, structured credit proposal shaping
Technologies
internal/external cash flow models, credit sanctioning systems
Responsibilities
Conduct independent credit assessments for sanctioning officials; Liaise with originators and relationship managers to shape credit proposals; Monitor and control credit exposures to identify risk profile increases; Undertake customer, sector, and market research for lending evaluations; Exercise formal Credit Authority Delegation; Maintain records for statutory reporting and data quality
Seniority
Mid-level, hands-on IC