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- Tasks: Sanction credit transactions and support SME Agriculture clients in their growth journey.
- Company: Join Lloyds Banking Group, a leader in inclusive banking.
- Benefits: Enjoy a generous pension, performance bonuses, and 30 days holiday.
- Other info: Hybrid working model with a focus on teamwork and personal development.
- Why this job: Make a real impact in the agriculture sector while developing your finance skills.
- Qualifications: Experience in credit risk and strong communication skills are essential.
The predicted salary is between 45000 - 55000 £ per year.
Overview of the Credit Officer - SME Agriculture role at Lloyds Banking Group. The role is within the SME Credit Agriculture Team, part of the BCB Credit Underwriting function, focused on sanctioning credit transactions for clients with revenue between £3m and £25m. The team collaborates with Coverage & Product partners to provide responsible and sustainable credit risk management solutions that support client growth and resilience.
Working pattern: Hybrid, spending at least two days per week, or 40% of time, at an office site.
Seniority level: Mid-Senior level
Employment type: Full-time
Job function: Finance
Industries: Banking
What you'll be doing:
- Exercise sanction discretion across SME deals within your Delegated Credit Authority or provide recommendations to senior sanctioning colleagues. This includes new-to-bank business, increased lending, refinances, restructures, and product solutions for existing customers.
- Work as part of a team to support credit risk management for a geographic portfolio of SME Agriculture customers.
- Collaborate with relationship managers, product partners and clients to shape credit proposals that balance risk and reward.
- Maintain good credit quality of the portfolio to enable safe growth.
- Ensure compliance with Bank policy, regulatory requirements and other rules to minimise risk.
- Contribute to policy, sector and ad-hoc reviews, providing constructive challenge to optimise outcomes on individual cases.
- Respond to queries from the Executive and Regulators with detailed insight into areas of credit risk focus within the portfolio.
What you'll need:
- A strong background in credit risk and financial analysis; ideally experience with cashflow-based lending.
- Well-developed communication and influencing skills; able to challenge the status quo and explain recommendations clearly.
- Ability to balance conflicting demands while meeting tight timescales.
- Ability to learn quickly and adapt to new challenges.
- Sound judgement, strong decision-making, attention to detail, and collaborative capability.
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, with bank holidays on top
- Wellbeing initiatives and generous parental leave policies
We offer a supportive learning environment prioritising teamwork and personal development. You’ll work in a high-profile, fast-paced setting that champions innovation and simplification, aligned with our core Group values.
About working for us:
We aim to be inclusive every day, building an organisation that reflects modern society and celebrates diversity. We’re committed to a consciously inclusive workplace where colleagues can be themselves, thrive and perform at their best. We offer Workplace Adjustments for colleagues with a disability when reasonable, including flexibility with regards to office attendance, location, and working pattern. If you'd like an adjustment to the recruitment process just let us know.
If you're excited by the thought of becoming part of our team, get in touch. We’d love to hear from you.
Credit Officer - SME Agriculture employer: Lloyds Banking Group
Contact Detail:
Lloyds Banking Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Officer - SME Agriculture
✨Tip Number 1
Network like a pro! Reach out to folks in the banking and finance sector, especially those who work with credit risk. A friendly chat can open doors that a CV just can't.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of cashflow-based lending and credit risk management. We want you to shine when discussing how you can contribute to the SME Agriculture team!
✨Tip Number 3
Showcase your communication skills! During interviews, be ready to explain complex ideas simply. Remember, it's all about balancing risk and reward, so make sure you can articulate your thought process clearly.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets the attention it deserves. Plus, we love seeing candidates who are proactive about joining our team.
We think you need these skills to ace Credit Officer - SME Agriculture
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Officer role. Highlight your experience in credit risk and financial analysis, especially if you've worked with cashflow-based lending. We want to see how your skills align 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 the SME Agriculture sector and how you can contribute to our team. Be sure to mention any relevant collaborations you've had with relationship managers or product partners.
Showcase Your Decision-Making Skills: In your application, give examples of how you've used sound judgement and strong decision-making in past roles. We love candidates who can balance conflicting demands while meeting tight deadlines, so don't hold back on sharing those experiences!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, it shows you're keen on joining 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 your strong background in credit risk and financial analysis. Brush up on key financial metrics and be ready to discuss cashflow-based lending. Prepare examples from your past experiences where you successfully managed credit transactions.
✨Communicate Clearly
Well-developed communication skills are crucial for this role. Practice explaining complex credit proposals in simple terms. Think about how you can challenge the status quo while still being persuasive. Role-play with a friend to refine your delivery.
✨Showcase Your Team Spirit
Collaboration is key in this position. Be prepared to discuss how you've worked with relationship managers and product partners in the past. Highlight specific instances where your teamwork led to successful credit solutions or improved outcomes.
✨Stay Compliant and Informed
Understanding compliance and regulatory requirements is essential. Familiarise yourself with the bank's policies and any recent changes in regulations that may affect credit risk management. Bring insights to the interview about how you can contribute to maintaining good credit quality.