Lloyds Banking Group
Credit Officer - SME
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JOB TITLE: Credit Officer
SALARY: £67,000 - £74,400
LOCATION(S): Birmingham, Bristol or Edinburgh
HOURS: Full time (35 hours per week)
WORKING PATTERN: Hybrid, 40% of time in an office location
About this opportunity
This is a fantastic opportunity to join the BCB Credit Underwriting team as a Credit Officer within the SME Credit team. Our team is focused on supporting sustainable growth while safeguarding credit quality, and is at the vanguard of our Helping Britain Prosper purpose.
Our team partners closely with Coverage (Relationship Management) and Product colleagues to serve clients in the SME sector. We deliver responsible credit risk solutions that enable customers - and our business - to grow securely. We advocate robust credit processes, actively contribute to credit policy strategy, structure and sanction transactions, and monitor portfolio performance.
The SME Credit team focuses on sanctioning transactions for clients with revenues between £3m and £50m per annum. This is a segment where we are investing significantly to support ambitious growth plans.
What You'll Be Doing
- Apply your delegated credit authority to sanction SME transactions or provide recommendations to senior colleagues. This includes new-to-bank lending, increased facilities, refinances, restructures, annual credit reviews, and tailored product solutions.
- The role will involve a focus on supporting the expansion of our Markets proposition for FX to existing and prospective SME Clients.
- Collaboration and stakeholder management is critical for our success. Key stakeholders include Area Directors, Relationship Managers, and Product Partners. Client visits are a key part of the role.
- Maintain strong credit quality across our portfolio, enabling safe and sustainable business growth.
- Ensure compliance with bank and regulatory standards to minimize risk exposure.
- Contribute to policy, sector, and ad-hoc reviews, offering constructive challenge and insight to optimize outcomes.
- Respond to executive and regulatory queries with clear, detailed analysis of credit risk within your portfolio.
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We offer a supportive learning environment, prioritizing teamwork and personal development. You'll work in a high-profile, fast-paced setting that champions innovation and simplification, aligned with our core Group values.
What you'll need:
- Strong credit risk experience.
- A strong background in credit risk and financial analysis and, ideally, experience in Markets and specifically FX lending decisions.
- Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your decisions.
- Ability to balance conflicting demands whilst delivering to tight timescales.
- Ability to quickly learn and adapt to new challenges.
- Demonstrate sound judgement, strong decision-making skills, good attention to detail, and the ability to collaborate.
- Financial markets experience would be an advantage, but not essential.
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About working for us
Our ambition is to be the leading UK business for diversity, equity, and inclusion supporting our customers, colleagues, and communities, and we're committed to creating an environment in which everyone can thrive, learn, and develop.
We were one of the first major organizations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location, and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health, or neurodivergent condition through the Disability Confident Scheme.
We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.
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
- 30 days' holiday, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
If you're excited by the opportunity to make an impact in a high-performing team and grow your career in a business-critical area, we'd love to hear from you.
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