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- Tasks: Sanction credit transactions and collaborate with partners to support client growth.
- Company: Join Lloyds Banking Group, a leader in responsible banking.
- Benefits: Enjoy hybrid working, competitive salary, and career development opportunities.
- Other info: Dynamic team environment with opportunities for professional growth.
- Why this job: Make a real impact in the agriculture sector while developing your finance skills.
- Qualifications: Experience in credit assessment and strong analytical skills required.
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.
Credit Officer - SME Agriculture in Edinburgh 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 in Edinburgh
✨Tip Number 1
Network like a pro! Reach out to people in the banking and finance sector, especially those who work with SMEs. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of credit risk management. Be ready to discuss how you can contribute to sustainable solutions for clients. Show them you’re not just another candidate!
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email to express your appreciation. It keeps you fresh in their minds and shows your enthusiasm for the role.
✨Tip Number 4
Apply through our website! We’ve got loads of resources to help you ace your application and connect with the right people. Plus, it’s the best way to stay updated on new opportunities in the SME Agriculture space.
We think you need these skills to ace Credit Officer - SME Agriculture in Edinburgh
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Officer role. Highlight your experience in credit transactions and any relevant skills that align with the SME Agriculture focus. We want to see how you can contribute to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your background fits with our mission at Lloyds Banking Group. Keep it engaging and personal – we love a good story!
Showcase Relevant Experience: When detailing your work history, focus on experiences that relate to credit risk management and client growth. We’re looking for evidence of your ability to make sound decisions and support sustainable solutions.
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 Banking Group
✨Know Your Numbers
As a Credit Officer, you'll be dealing with financial figures daily. Brush up on your understanding of credit transactions, especially for SMEs with revenues between £3m and £25m. Be ready to discuss how you would assess credit risk and make decisions based on financial data.
✨Understand the Agriculture Sector
Since this role focuses on the agriculture sector, do some research on current trends and challenges in SME agriculture financing. Being able to speak knowledgeably about the industry will show your potential employer that you're genuinely interested and prepared for the role.
✨Collaboration is Key
This position involves working closely with Coverage & Product partners. Prepare examples from your past experiences where you've successfully collaborated with different teams. Highlight your communication skills and how you can contribute to a cohesive team environment.
✨Demonstrate Your Decision-Making Skills
You'll need to exercise sanction discretion, so be ready to discuss your decision-making process. Think of scenarios where you've had to make tough calls and explain how you arrived at your conclusions. This will help illustrate your ability to handle responsibility and make sound judgments.