Credit Officer - Mid Corporate

Location: Hybrid, with 40% or two days per week in an office in Birmingham, Edinburgh, Manchester or Leeds, UK

Salary: £67,023–£74,470 per year

Company

hirify.global is a major UK banking group supporting customers and businesses through financial services.

What you will do

• Conduct independent credit assessments for new lending, increased facilities, amended terms, restructures and annual credit reviews.
• Analyse company information, market research and cash-flow models to identify strengths, risks and sensitivities.
• Work with originators, relationship managers, product partners and clients to shape structured credit proposals.
• Monitor credit exposures and changes in customer risk profiles, escalating issues to senior Risk colleagues and sanctioners.
• Exercise formal Credit Authority Delegation and assess transactions against Group and regulatory policy.
• Maintain accurate records for data quality, statutory reporting and internal and external oversight.

Requirements

• Strong experience in credit risk, financial analysis and ideally cash-flow-based lending.
• Experience preparing credit papers for senior sanctioning officials.
• Strong communication, influencing, judgement and decision-making skills.
• Ability to challenge recommendations constructively, balance competing demands and deliver to tight timescales.
• Strong attention to detail, collaboration skills and adaptability.

Nice to have

• Experience in financial markets.

Culture & Benefits

• Supportive, stimulating environment focused on learning, teamwork and personal development.
• Pension contribution of up to 15% and an annual performance-related bonus.
• Share schemes, including free shares, and lifestyle benefits such as discounted shopping.
• 30 days of holiday plus bank holidays, wellbeing initiatives and generous parental leave.
• Workplace adjustments are available for disabilities, long-term health conditions and neurodivergence, including flexibility in office attendance and working patterns.

Hiring process

• Reasonable adjustments are available throughout the recruitment process.
• Eligible applicants with a disability, long-term health condition or neurodivergent condition may receive a guaranteed interview through the Disability Confident Scheme.