Senior Credit Officer (Director) - Real Estate & Housing Credit

Lloyds Bank plc; London; Hybrid; GBP 90,000 - 130,000; Full time

Job summary

Lloyds Bank is hiring a Senior Credit Officer (Director) in London to lead the Real Estate and Housing Credit team. This role involves managing complex credit risks and contributing to strategic initiatives, emphasizing stakeholder engagement and comprehensive credit analysis.

Benefits

Generous pension contribution of up to 15%

Annual performance-related bonus

Employee share schemes

30 days’ holiday plus bank holidays

Flexible working options

Qualifications

• Proven experience in credit risk management.
• Strong ability to analyze and execute complex real estate transactions.
• Excellent communication and influence skills.

Responsibilities

• Manage new business origination and assess emerging risks.
• Engage with and influence senior stakeholders.
• Drive simplification and change management in credit processes.

Skills

Credit risk management

Financial analysis

Stakeholder engagement

Communication

Decision-making

Education

Experience in complex CRE transactions

Job description

Senior Credit Officer (Director) - Real Estate & Housing Credit page is loaded

Senior Credit Officer (Director) - Real Estate & Housing Credit

Apply locations London time type Full time posted on Posted Yesterday time left to apply End Date: June 9, 2025 (9 days left to apply) job requisition id 129948

End Date

Sunday 08 June 2025

Salary Range

£0 - £0

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

TITLE: Senior Credit Officer (Director) - Real Estate & Housing Sector
LOCATION: London
HOURS: Full-time
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.

Job Description

The Real Estate and Housing Credit team, part of the wider Corporate Credit function, have an exciting opening for a Senior Credit Officer within the team!

This newly created role will sit within the Global Investors and Listed team which underwrites the largest and most complex CRE transactions in the Bank and will support several new strategic initiatives across the Client Services Group including back-leverage, mobilising third party capital to help deliver higher leverage solutions and helping in the roll out of the CRE Risk Warehouse.

This is a key senior management role within Chief Credit Office, that will come with a material delegated lending discretion, senior stakeholder engagement, and the opportunity to work on high profile projects.

Specific Roles & Responsibilities:

Risk Management

• Takes ownership and responsibility of new business origination, highlighting emerging risks to senior stakeholders and making appropriate policy recommendations.
• Demonstrates sophisticated financial and non-financial analysis skills.
• Acts as Sanctioner, demonstrating good judgment and decisiveness.
• Communicates complex or difficult messages in an optimal way to different audiences.
• Able to fully engage with internal and external stakeholders to provide appropriate portfolio disclosures including regulatory engagement where required.

People & Training

• Motivates the team to deliver against performance expectations and share knowledge across 1st and 2nd Lines of defence.
• Is a role model for LBG Values & Behaviours.
• Takes a leading role in encouraging collaborative working and encourages colleague and team development.

Sector / Product Strategy & Monitoring

• Has a sophisticated understanding of market dynamics and trends in order to provide strategic direction to their team.
• Demonstrates a strong and broad network of senior stakeholders across Risk, Commercial Banking, and other relevant partner areas to share expertise and optimise efficiency.
• Utilises their sector / product knowledge to lead and improve credit risk profile.

Data, Technology & Simplification

• Takes ownership of the quality control across their team and drives simplification and change management.
• Proactively supports the CCO mission to integrate the function and improve credit risk oversight and controls.
• Motivates others to embrace innovation and simplify ways of working across teams.

About You

• You have existing credit risk management experience and an ability to quickly learn and adapt to new challenges.
• You’ll have experience in analysing, structuring and executing complex CRE transactions often with leverage at higher attachment points, together with a practical working knowledge of back-leverage.
• You'll have well-developed communication and influencing skills and are happy to challenge the status quo whilst being comfortable making and explaining your decisions.
• You're also able to balance conflicting demands whilst delivering to tight timescales.

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

Does this sound like you?

If so, and you want to be part of an independent credit risk management structure within LBG, supporting important sophisticated and dynamic sectors then please get in touch, we'd love to hear from you!

In return for bringing us your passion and engagement, we're offering a strong platform to fulfil your career potential. Lloyds Banking Group is committed to building a workforce which reflects the diversity of the customers and communities we serve, and to creating an inclusive work environment where all our colleagues can be themselves and succeed on merit. We'll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment.

Please contact us to request accommodation. We already accommodate a number of agile working arrangements across the team and are happy to discuss agile working options with candidates. The team is principally based in London although we are willing to discuss other locations with candidates.

We're focused on creating a values-led culture, and our approach to inclusion and diversity means that we all have the opportunity to make a real difference, together.

As part of the Group's commitments as a result of ring-fencing legislation, colleagues based in the Islands are required to be exclusively dedicated to the non-ring-fenced bank and its subsidiaries. This means that colleagues who are based in the Islands would not be able to undertake roles for the Ring Fenced Bank from their existing location and would need to consider relocation when applying for roles.

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.