Netherlands, AMSTERDAM
Credit Officer
Lloyds Bank NL • Amsterdam, NL • 4d geleden
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 proce...
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