Credit Officer, Lloyds
SME Agriculture
More information about location
2+ days a week in office
Retail and commercial bank
Be an early applicant
Retail and commercial bank
1001+ employees
Be an early applicant
More information about location
2+ days a week in office
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 of cashflow based lending
- Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your recommendations
- 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
What the job involves
- This is an exciting opportunity to join the BCB Credit Underwriting team where we are looking to recruit a Band E colleague at Credit Officer level into the SME Credit team
- The BCB Credit Underwriting team works closely with Coverage & Product partners, serving the Group's clients ranging from small businesses to turnover of £100m
- We provide responsible, & sustainable credit risk management solutions to enable our customers and our business to grow
- We're responsible for advocating on credit process, policy & strategy, assessing the creditworthiness of our customers, structuring transactions, sanctioning transactions and monitoring the performance of our portfolio
- The SME Credit team is specifically responsible for sanctioning credit transactions for clients with revenue between £3m - £25m
- The role is within the SME Credit Agriculture Team and is an excellent opportunity to work as part of a team in a wide-ranging and interesting sector critical to LBG and the UK economy and where we look to support clients in growth, resilience, diversification and transitioning farming practices
- Exercise your sanction discretion across SME for those deals within your Delegated Credit Authority or provide your recommendations to senior sanctioning colleagues, as appropriate. This will include transactions for new to bank business, and increased lending, refinances, restructures and product solutions for existing customers
- Working together in a team, you'll support the credit risk management of a geographic portfolio of SME Agriculture customers
- Closely liaise with relationship managers, products partners and clients to help shape credit proposals in order to maintain an acceptable balance of risk and reward
- Maintain the good credit quality of the portfolio, helping the business to grow safely and securely
- Ensure compliance with Bank and regulatory policy and other rules and regulations in order to minimise risk
- Contribute to Policy, sector and ad-hoc reviews, providing constructive challenge and support to optimise outcomes on individual cases
- Respond to queries from the Executive and the Regulators, providing detailed insight into any areas of credit risk focus within the portfolio
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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