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 lifestyle perks.
- Other info: Hybrid working model with opportunities for career advancement.
- Why this job: Join a forward-thinking team and make a real impact in the finance sector.
- Qualifications: Experience in Real Estate & Housing with strong credit analysis 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 England 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 growth and well-being. With generous benefits such as a 15% pension contribution, 30 days of holiday, and a commitment to diversity and inclusion, this role offers not just a job, but a meaningful career path in the heart of Birmingham, Manchester, Edinburgh, or Leeds. Join us to engage with stakeholders, drive sustainable revenue growth, and develop your expertise in the Real Estate & Housing sector while enjoying a hybrid working pattern that promotes work-life balance.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer - CRE & Housing - SME in England
✨Tip Number 1
Network like a pro! Reach out to your connections in the Real Estate & Housing sector. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for those interviews by brushing up on your credit analysis skills. Be ready to discuss your experience with deals of £10-25m and how you’ve managed risk in past roles. We want to see that you can think on your feet and articulate your rationale clearly.
✨Tip Number 3
Showcase your ability to build relationships! During interviews, share examples of how you’ve collaborated with stakeholders in the past. Highlight your communication skills and how you’ve influenced decisions to drive growth while managing risk.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive and engaged with our company. Let’s get you that Credit Officer role!
We think you need these skills to ace Credit Officer - CRE & Housing - SME in England
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 aligns 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 Achievements:Don’t just list your responsibilities; showcase your achievements! Use specific examples of how you've influenced outcomes or improved processes in previous roles. We love seeing how you’ve made a difference!
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from our team!
How to prepare for a job interview at Lloyds Bank plc
✨Know Your Numbers
As a Credit Officer, you'll need to demonstrate your strong numeracy skills. Brush up on key financial metrics and be ready to discuss how you’ve used data in past roles to make informed decisions. This will show that you can work accurately in a fast-paced environment.
✨Master the Art of Communication
You’ll be influencing stakeholders, so practice articulating your thoughts clearly and confidently. Prepare examples of how you've built trusted relationships in previous roles, and think about how you can challenge the status quo while proposing improvements.
✨Showcase Your Sector Knowledge
Familiarise yourself with the Real Estate & Housing sector, especially regarding deals of £10-25m. Be prepared to discuss recent trends or challenges in the industry and how they might impact credit risk. This will position you as a subject-matter expert during the interview.
✨Prepare for Scenario Questions
Expect questions that assess your decisiveness and ability to articulate rationale in complex situations. Think of specific examples where you had to make tough decisions or manage risks, and be ready to explain your thought process behind those choices.
