Credit Analyst - Personal Current Accounts

End Date

Sunday 11 January 2026

Salary Range

£29,460 - £31,010

We support flexible working – click here for more information on flexible working options

Flexible Working Options

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Job Description Summary

This is a full time role based in either Newport or Halifax.

Job Description

• JOB TITLE: Credit Analyst – Personal Current Accounts.
• SALARY: £29,460
• LOCATION(S): Newport or Halifax
• HOURS: Full-time – 35 hours a week.  
• WORKING 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.

About this Opportunity

Join our Personal Current Account, Credit Risk team within the Chief Credit Office.  Our responsibilities include managing our existing Overdraft portfolio, the development and optimisation of risk strategies for new and existing customers whilst proactively helping to protect more vulnerable customers. The team is responsible for our Lloyds, Halifax and Bank of Scotland brands, handling a substantial personal current account portfolio.

We need to have effective strategies to ensure we make the right lending decisions for customers – not only at the right time, but also with the right assistance and doing this requires some serious analytical and technical skills.

We're looking for a highly motivated individual who is keen to develop their analytical skills within Risk, and ready to learn and respond in a fast-paced environment.

What you'll be doing:

• Support a range of Personal Current Account credit risk management strategies including New Business Account Originations, Existing Customer Lending and Credit Limit Decreases.
• Analyse and interpret a range of risk data, maintaining production of high-quality analysis, that support stakeholder needs.
• Works with support to collate and analyse data, typically utilising SAS Enterprise Guide and Excel.
• Organise and prepare risk strategy documents.
• Gather and summarise risk data for BAU monitoring and reporting.
• Keep track of risk parameters and identifies and reports any major deviation to more senior colleagues.
• Analyses specified problems and incidents to find the root cause and recommend potential solutions.
• Deliver innovative solutions to enhance existing processes and systems.
• Responds to individual and team objectives and invests in improving personal performance by growing own skills and capabilities.

Why Lloyds Banking Group

Like the modern Britain we serve, we’re evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We’re growing with purpose. Join us on our journey and you will too…

What you’ll need

• Comfortable working with numbers, demonstrated either through a degree/qualification in a numerate subject, or equivalent quantitative experience gained in previous roles.
• An aptitude for learning programming languages (e.g. SQL, SAS, R, Python) – whilst prior coding experience isn’t essential, development of these skills to manipulate and analyse data will from a key part of the role.
• Analytical problem solver, able to work creatively with data to draw out insight and answer business questions.
• Effective communicators, building positive relationships with partners and communicating recommendations clearly to influence business decisions.
• Well organised and able to manage their own workload while adapting to changing priorities.
• Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team.

About working for us

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 want our people to feel that they belong and can be their best, regardless of background, identity or culture.

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.

And it’s why we especially welcome applications from under-represented groups.

We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

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

• 24 days’ holiday, with bank holidays on top

• A range of wellbeing initiatives and generous parental leave policies

Ready for a career where you can have a positive impact as you learn, grow and thrive?

Apply today and find out more.

(Please note our roles can generate a considerable amount of interest and can close early so don't miss out on this opportunity to apply today.)

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.