Credit Officer - SME

Lloyds Banking Group; Birmingham; Hybrid; GBP 67,000 - 74,000; Full time

Benefits offered by this job

Hybrid Working

Job Share

Job summary

Lloyds Banking Group is seeking a Credit Officer in the SME Credit Underwriting team in the UK. The role focuses on sanctioning SME transactions, including new-to-bank lending, refinances and restructures, while supporting the Markets FX proposition and maintaining credit quality.

You will collaborate with Relationship Managers, Area Directors and Product Partners to assess risk, ensure compliance and deliver responsible credit solutions in a fast-paced environment.

Qualifications

• Strong credit risk experience.
• Background in credit risk and financial analysis, with FX lending decisions preferred.
• Excellent communication and influencing skills.
• Ability to balance conflicting demands and tight deadlines.
• Ability to learn quickly and adapt to new challenges.
• Sound judgement, strong decision making, and attention to detail.
• Financial markets experience would be an advantage.

Responsibilities

• Apply delegated credit authority to sanction SME transactions or provide recommendations to senior colleagues.
• Support expansion of Markets proposition for FX to SME clients.
• Collaborate with Area Directors, Relationship Managers and Product Partners; client visits are key.
• Maintain strong credit quality across the portfolio to enable growth.
• Ensure compliance with bank and regulatory standards to minimise risk.
• Contribute to policy, sector and ad-hoc reviews; offer constructive challenge.
• Respond to executive and regulatory queries with clear credit risk analysis.

Skills

Credit risk

Financial analysis

FX lending

Communication

Decision making

Job description

End Date

Wednesday 14 October 2026

Salary Range

£67,023 - £74,470

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

Job Description

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 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.

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.

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 organisations 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

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.