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- Tasks: Analyse credit risks and support sustainable growth for real estate and housing clients.
- Company: Join Lloyds Banking Group, a leader in diversity and innovation.
- Benefits: Generous pension, performance bonuses, flexible working, and 30 days holiday.
- Other info: Inclusive team culture focused on personal and professional growth.
- Why this job: Make a real impact while developing your expertise in a supportive environment.
- Qualifications: Experience in real estate and housing with strong analytical skills.
The predicted salary is between 45000 - 55000 £ per year.
LOCATIONS: Birmingham, Manchester, Edinburgh or Leeds
HOURS: Full-time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.
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 will 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 will develop as a subject matter expert within Real Estate & Housing, you will 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 is a real focus on knowledge sharing, alongside the opportunities and support you need to grow both professionally and personally. We are an inclusive team that welcomes new ideas and genuinely values diversity.
Responsibilities
- 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.
Why Lloyds Banking Group
Like the modern Britain we serve, we are evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We are growing with purpose. Join us on our journey and you will too.
What you will 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 are 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:
- 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
Ready to start growing with purpose? Apply today.
Credit Officer - CRE & Housing - SME employer: Lloyds Banking Group
Contact Detail:
Lloyds Banking Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Officer - CRE & Housing - SME
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with potential colleagues on LinkedIn. The more you engage, the better your chances of landing that Credit Officer role.
✨Tip Number 2
Prepare for interviews by researching the company and its values. Understand their approach to credit risk and be ready to discuss how your experience aligns with their goals. Show them you're not just a fit, but the perfect fit!
✨Tip Number 3
Practice your communication skills! As a Credit Officer, you'll need to influence stakeholders and articulate your ideas clearly. Role-play common interview scenarios with a friend to boost your confidence.
✨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 take the initiative to engage directly with us.
We think you need these skills to ace Credit Officer - CRE & Housing - SME
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Officer role. Highlight your experience in the RE&H 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 strong relationships and challenge the status quo.
Showcase Your Attention to Detail: In a fast-paced environment, 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 right from the start!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen to join our team!
How to prepare for a job interview at Lloyds Banking Group
✨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 deals you've worked on, especially in the £10-25m range. Prepare examples that showcase your attention to detail and how you’ve managed risk in past roles.
✨Build Relationships
This role involves collaboration with various stakeholders. Think about how you can effectively communicate and influence others. Prepare anecdotes that highlight your ability to build trusted relationships and how you’ve successfully navigated complex discussions in the past.
✨Challenge the Status Quo
The company values new ideas and improvements. Be ready to share instances where you’ve identified inefficiencies or proposed innovative solutions. This shows your proactive mindset and willingness to contribute to the team's evolution as a risk function of the future.
✨Articulate Your Decisions
You’ll need to make confident decisions and explain your rationale clearly. Practice articulating your thought process behind key decisions you've made in previous roles, especially those involving credit risk. This will demonstrate your analytical skills and confidence in handling complex situations.