Credit Officer - CRE & Housing - SME

Locations: Birmingham, Edinburgh, Leeds, Manchester

Time Type: Full time

Posted on: Posted Today

End Date: May 20, 2026 (13 days left to apply)

Job Requisition ID: 154143

Salary Range: £67,023 - £74,470

Flexible Working Options: Job Share

About the role: The BCB Credit Risk team supports clients ranging from Small Businesses through to Mid-Corporate organisations. Sitting within this division, the Real Estate & Housing Credit team manages clients with debt exposures of up to c£25m. This is a dynamic role, combining the production of high-quality credit analysis, ongoing portfolio monitoring, and meaningful stakeholder engagement. You’ll work closely with the front-line business to help drive sustainable revenue growth, while ensuring risk is managed appropriately to protect the bank’s position. While you’ll develop as a subject matter expert within Real Estate & Housing, you’ll also have the opportunity to build broader exposure across different sectors and areas of the business. The Real Estate & Housing Credit team has a strong reputation for developing its people. There’s a real focus on knowledge sharing, alongside the opportunities and support you need to grow both professionally and personally. We’re an inclusive team that welcomes new ideas and genuinely values diversity.

Some of the responsibilities include:

• Exercising your sanction discretion or providing recommendations to senior sanctioning colleagues as appropriate.
• Collaboration with originators, relationship managers, and product partners as well as Senior Sanctioners to shape credit proposals that fit with our credit appetite and policies.
• Supporting the business to grow safely and securely, maintaining a balance of risk and reward.
• Proactively monitoring the performance of the existing portfolio, communicating any emerging risks to senior management and other colleagues as appropriate, as well as ensuring compliance with LBG and regulatory policy.
• Contribute to policy, sector and ad-hoc reviews, providing constructive challenge and support to optimise outcomes on individual cases.
• Responding to queries from Senior Leaders and Regulators, providing detailed insight into any areas of credit risk focus within the portfolio.
• Proactively finding opportunities to improve ways of working – helping to transition the team into a risk function of the future.

What you'll need:

• Strong experience in the RE&H sector, with a solid credit background and exposure to deals in the £10–25m range or larger.
• High attention to detail and strong numeracy skills, with the ability to work accurately in a fast-paced environment.
• Confident communicator who can influence effectively and build strong, trusted relationships across stakeholders.
• Comfortable challenging the status quo and bringing new ideas or improvements to the way things are done.
• Confident in making decisions and clearly articulating your rationale, even in more complex situations.

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'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.