At a Glance
- Tasks: Conduct credit analysis and engage with stakeholders to drive sustainable growth.
- Company: Dynamic bank committed to diversity and inclusion.
- Benefits: Generous pension, performance bonuses, 30 days holiday, and well-being initiatives.
- Other info: Hybrid working model with opportunities for career development.
- Why this job: Join a forward-thinking team and make a real impact in the Real Estate & Housing sector.
- Qualifications: Strong credit background in Real Estate & Housing with excellent communication skills.
The predicted salary is between 45000 - 55000 £ per year.
Locations: Birmingham, Manchester, Edinburgh or Leeds
Hours: Full-time
Working Pattern: Hybrid, which involves spending at least two days a week, or 40% of time, at an office site.
About the role: The BCB Credit Risk team supports clients ranging from Small Businesses to Mid‐Corporate organisations. Within this division, the Real Estate & Housing Credit team manages clients with debt exposures of up to approximately £25m. This dynamic role combines high‐quality credit analysis, ongoing portfolio monitoring, and meaningful stakeholder engagement. You will work closely with business partners to drive sustainable revenue growth while ensuring risk is managed to protect the bank's position. You will develop as a subject‐matter expert within Real Estate & Housing and gain exposure to other sectors.
Responsibilities:
- Exercise sanction discretion or provide recommendations to senior sanctioning colleagues as appropriate.
- Collaborate with originators, relationship managers, product partners and Senior Sanctioners to shape credit proposals that fit our appetite and policies.
- Support the business to grow safely and securely, maintaining a balance of risk and reward.
- Proactively monitor portfolio performance, communicate emerging risks and ensure compliance with LBG and regulatory policy.
- Contribute to policy, sector and ad‐hoc reviews, providing constructive challenge to optimise outcomes.
- Respond to queries from Senior Leaders and Regulators, offering detailed insight into credit‐risk focus areas.
- Seek opportunities to improve ways of working and help transition the team into a future‐ready risk function.
What you'll need:
- Strong experience in the RE&H sector, with a solid credit background and exposure to deals of £10‐25m or larger.
- High attention to detail and strong numeracy, with the ability to work accurately in a fast‐paced environment.
- Confident communicator capable of influencing and building trusted relationships across stakeholders.
- Comfortable challenging the status quo and proposing improvements.
- Decisiveness and ability to articulate rationale in complex situations.
Benefits:
- A generous pension contribution of up to 15%
- An annual performance‐related bonus
- Share schemes, including free shares
- Benefits adaptable to lifestyle, such as discounted shopping
- 30 days' holiday plus bank holidays
- Well‐being initiatives and generous parental leave policies
Commitment to Diversity, Equity & Inclusion: We are a Disability‐Confident Leader and guarantee fair interviews for candidates meeting the minimum criteria under the Disability Confident Scheme. We provide reasonable workplace adjustments for colleagues with disabilities, long‐term health or neurodivergent conditions.
Legal EEO Statement: Equality and diversity are important values for our organisation. The Bank commits to provide employment and training opportunities to people from all backgrounds and with all abilities. We welcome applications from all qualified candidates, subject to suitable checks.
Credit Officer - CRE & Housing - SME in Belsize Park employer: Lloyds Bank plc
As a Credit Officer in the dynamic BCB Credit Risk team, you will thrive in a supportive and inclusive work environment that prioritises employee well-being and professional growth. With generous benefits such as a substantial pension contribution, performance-related bonuses, and a commitment to diversity, equity, and inclusion, this role offers a meaningful opportunity to engage with stakeholders while managing risk effectively. The hybrid working model allows for flexibility, ensuring a balanced work-life experience in vibrant locations like Birmingham, Manchester, Edinburgh, or Leeds.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer - CRE & Housing - SME in Belsize Park
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join online forums, or even hit up LinkedIn. The more you engage with others, the better your chances of landing that Credit Officer role.
✨Show Off Your Skills
When you get the chance to chat with potential employers, make sure to highlight your experience in the RE&H sector. Share specific examples of how you've managed credit risks and contributed to successful deals. We want to see your expertise shine!
✨Ask Smart Questions
During interviews, don’t just wait for them to ask you questions. Prepare some insightful ones about their credit policies or how they manage risk. This shows you're genuinely interested and have done your homework, which we love to see!
✨Apply Through Our Website
Don’t forget to apply directly through our website! It’s the best way to ensure your application gets noticed. Plus, it gives you a chance to explore other roles that might fit your skills perfectly.
We think you need these skills to ace Credit Officer - CRE & Housing - SME in Belsize Park
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Officer role. Highlight your experience in the Real Estate & Housing sector and any relevant credit analysis skills. We want to see how your background fits with what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how you can contribute to our team. Be sure to mention your ability to build relationships and manage risk effectively.
Showcase Your Attention to Detail:In a fast-paced environment like ours, attention to detail is key. Make sure your application is free from typos and errors. We appreciate candidates who take the time to present their best work!
Apply Through Our Website:We encourage you to apply through our website for the best chance of success. It’s straightforward and ensures your application gets to the right people. Plus, we love seeing applications come directly from our site!
How to prepare for a job interview at Lloyds Bank plc
✨Know Your Numbers
As a Credit Officer, you'll need to demonstrate strong numeracy skills. Brush up on your financial analysis and be ready to discuss specific credit deals you've worked on, especially those in the £10-25m range. This will show your expertise and confidence in handling significant transactions.
✨Build Relationships
This role involves engaging with various stakeholders. Prepare examples of how you've successfully built relationships in previous roles. Think about times when you influenced decisions or collaborated with others to achieve a common goal—this will highlight your communication skills.
✨Stay Current on Market Trends
Familiarise yourself with the latest trends in the Real Estate & Housing sector. Be prepared to discuss how these trends might impact credit risk and portfolio performance. Showing that you're proactive about industry knowledge will impress your interviewers.
✨Challenge the Status Quo
The job description mentions the importance of proposing improvements. Think of instances where you've identified inefficiencies and suggested better ways of working. This will demonstrate your ability to think critically and contribute positively to the team's future readiness.
