At a Glance
- Tasks: Sanction credit transactions and support SME Agriculture clients in their growth journey.
- Company: Join Lloyds Banking Group, a leader in inclusive banking.
- Benefits: Generous pension, performance bonuses, 30 days holiday, and flexible working options.
- Other info: Dynamic team environment with a focus on personal development and innovation.
- 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.
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
Lloyds Banking Group is an exceptional employer, offering a dynamic and inclusive work environment that prioritises employee growth and wellbeing. With a strong focus on teamwork and innovation, employees benefit from generous pension contributions, adaptable lifestyle benefits, and a commitment to diversity, ensuring everyone can thrive in their roles. The hybrid working model allows for flexibility while maintaining a collaborative atmosphere, making it an ideal place for those looking to make a meaningful impact in the SME Agriculture sector.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer - SME Agriculture
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We think you need these skills to ace Credit Officer - SME Agriculture
Some tips for your application 🫡
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