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- Tasks: Analyse credit risks and support sustainable growth for clients in Real Estate & Housing.
- Company: Join Lloyds Banking Group, a leader in diversity and innovation.
- Benefits: Generous pension, performance bonuses, 30 days holiday, and flexible working options.
- Other info: Inclusive culture focused on personal and professional growth.
- Why this job: Make a real impact while developing your expertise in a dynamic team.
- Qualifications: Experience in Real Estate & Housing with strong analytical and communication 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'll 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'll develop as a subject matter expert within Real Estate & Housing, you'll 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's a real focus on knowledge sharing, alongside the opportunities and support you need to grow both professionally and personally. We're an inclusive team that welcomes new ideas and genuinely values diversity.
Some of the responsibilities include:
- 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.
What you'll 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're 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, which includes:
- 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 in Gildersome 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 in Gildersome
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with potential colleagues on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their values and how they align with your own. This will help you answer questions confidently and show that you're genuinely interested in being part of their team.
✨Tip Number 3
Practice your responses to common interview questions, but keep it natural. Use the STAR method (Situation, Task, Action, Result) to structure your answers, especially when discussing your experience in credit analysis and stakeholder engagement.
✨Tip Number 4
Don’t forget to follow up after your interview! A simple thank-you email can leave a lasting impression and show your enthusiasm for the role. Plus, it keeps you on their radar as they make their decision.
We think you need these skills to ace Credit Officer - CRE & Housing - SME in Gildersome
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 any specific experiences that relate to the responsibilities outlined in the job description.
Showcase Your Communication Skills: As a Credit Officer, you'll need to communicate effectively with various stakeholders. In your application, demonstrate your ability to influence and build relationships. We love seeing examples of how you've done this in past roles!
Apply Through Our Website: Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it gives you a chance to explore more about our company culture and values.
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 credit deals you've worked on, especially in the £10-25m range. This will show your expertise and confidence in handling complex financial data.
✨Engage Stakeholders
This role involves significant collaboration with various stakeholders. Prepare examples of how you've built strong relationships in previous roles. Think about times when you influenced decisions or improved processes through effective communication. This will highlight your ability to engage and collaborate.
✨Challenge the Status Quo
The company values new ideas and improvements. Be ready to discuss instances where you've challenged existing processes or brought innovative solutions to the table. This shows that you're proactive and willing to contribute to the team's evolution.
✨Articulate Your Rationale
In this role, you'll need to make decisions and explain your reasoning clearly. Practice articulating your thought process behind past decisions, especially in complex situations. This will demonstrate your critical thinking skills and ability to communicate effectively under pressure.