Credit Officer (SME)

Lloyds; Birmingham; On-site; GBP 42,000 - 64,000; Full time

Benefits offered by this job

Health insurance

Pension plan

Share plans

Job summary

Lloyds is hiring for a Credit Officer in the SME Credit team. You will sanction SME transactions within delegated authority, support growth of FX offerings, and ensure robust credit risk management while collaborating with Relationship Managers and Product Partners.

You will contribute to policy discussions, analyse credit portfolios, and respond to regulatory inquiries with clear, evidence-based insights. A demanding, high-visibility role with development opportunities.

Qualifications

• Demonstrate sound judgement and strong decision-making skills.
• Good attention to detail and collaboration.
• Ability to learn quickly and adapt to challenges.
• Experience in markets and FX lending decisions.
• Strong credit risk experience.
• Well-developed communication and influencing skills.

Responsibilities

• Sanction SME transactions within delegated authority.
• Provide recommendations to senior colleagues on credit decisions.
• Support expansion of Markets FX proposition for SME clients.
• Maintain credit quality across the portfolio.
• Ensure compliance with bank and regulatory standards.
• Respond to executive and regulatory queries with detailed credit risk analysis.
• Collaborate with Area Directors, Relationship Managers and Product Partners.

Skills

Credit risk

Financial analysis

Stakeholder management

Regulatory compliance

Decision making

Communication skills

FX lending

Job description

• HOURS: Full time (35 hours per week)
• 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
• 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 minimise risk exposure
• Contribute to policy, sector and ad-hoc reviews, offering constructive challenge and insight to optimise outcomes
• Respond to executive and regulatory queries with clear, detailed analysis of credit risk within your portfolio
• We offer a supportive learning environment, prioritising 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

Benefits

• A generous holiday allowance: You’ll be eligible for a minimum of 22 days holiday (excluding bank holidays), rising to 30 days based on length of service and grade.
• A flexible way of working: Whether you want flexibility over your location or when you log on, together we can create an approach that works for you and for the business.
• Family leave: Up to 63 weeks of maternity or adoption leave. Statutory maternity or adoption pay is available for 39 weeks, and 20 weeks will be enhanced to the equivalent of full pay. Partners can have six weeks of fully paid paternity leave.
• Flex cash: This is 4% of your basic salary and can be used to spend on the benefits of your choice, or you can choose to take it as a cash top up in your monthly salary.
• Health insurance: Our company funded Private Medical Benefit provides all colleagues with access to good quality medical care, including accommodation, nursing care and specialist advice.
• Colleague Offers: Get discounts on everything from electrical items to cinema tickets and weekly food shopping. You can share this benefit with up to ten family members or friends.
• Financial products: Take advantage of our great financial products, some at a discounted rate, including current accounts, home and car insurance and loans.
• Share plans: Participate in Sharematch and receive matching shares of up to £45 a month from the company, and you can choose to participate in Sharesave, our combined savings and share option plan.
• Pension: We offer a generous pension plan, with all joiners being automatically enrolled in our ‘Your Tomorrow’ scheme. You can decide how much you save and get a say in where your contributions are invested.

Demonstrate sound judgement, strong decision-making skills, good attention to detail and the ability to collaborateAbility to quickly learn and adapt to new challengesFinancial markets experience would be an advantage, but not essentialAbility to balance conflicting demands whilst delivering to tight timescalesA strong background in credit risk and financial analysis and, ideally, experience in Markets and specifically FX lending decisionsStrong credit risk experienceWell-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your decisions