Credit Officer, Lloyds
SME
£67-74.5k
+· An annual performance-related bonus + Share schemes including free shares
More information about location
Retail and commercial bank
Posted today
Retail and commercial bank
1001+ employees
Posted today
£67-74.5k
+· An annual performance-related bonus + Share schemes including free shares
More information about location
1001+ employees
Company mission
To support families and businesses, helping them to take the next step, whatever that may be.
Role
Who you are
- 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
What the job involves
- 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
Application process
- End Date: Sunday 09 August 2026
Our take
Lloyds Bank, part of Lloyds Banking Group, began operations back in 1765 and is nowadays one of the UK’s leading retail and commercial banks. As with many leading banks, the company has dealt with its share of controversy, but it has nonetheless stood the test of time and worked to build back its public reputation in the wake of these setbacks.
As part of its ongoing digital transformation, the company is seeking to put the cloud at the front of its services and systems, and has cited intentions to invest heavily in overhauling its technology infrastructure. All this seeks to serve the modern banking customer, and to compete with the fast-increasing number of alternative banking options appearing on the market.
On top of this, Lloyds Bank has shown great interest in facilitating innovation in the industry, joining as a partner on "FinTech Action Labs" to bring its industry expertise to early-stage FinTechs. The company continues to enhance its online and mobile services (it is the UK's biggest mobile bank), as well as expanding its partnerships with digital banking companies.
Steph
Company Specialist at Welcome to the Jungle
Insights
-1% employee growth in 12 months
Company
Company benefits
- 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.
- 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.
- 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.
Company HQ
City of London, London, UK
Leadership
Charlie Nunn
(Group Chief Executive)Spent nine years at HSBC, including as Group Head of Wealth Management and Digital, and as CEO of Wealth and Personal Banking.
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