At a Glance
- Tasks: Analyse credit risks and support sustainable growth for clients in Real Estate & Housing.
- Company: Lloyds Banking Group, committed to diversity and innovation.
- Benefits: Generous pension, performance bonuses, 30 days holiday, and flexible working.
- Other info: Inclusive culture focused on personal and professional development.
- Why this job: Join a dynamic team and make a real impact in the finance sector.
- 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.
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're 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're growing with purpose.
Qualifications
- 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.
Benefits & Working Environment
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.
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
Credit Officer - CRE & Housing - SME in Leeds employer: Lloyds Banking Group
Lloyds Banking Group is an exceptional employer, offering a dynamic work environment where employees can thrive in their careers while contributing to meaningful projects within the Real Estate & Housing sector. With a strong commitment to diversity, equity, and inclusion, the company fosters a culture of collaboration and knowledge sharing, providing ample opportunities for professional growth and personal development. Employees benefit from a generous pension scheme, flexible working arrangements, and a supportive atmosphere that values new ideas and encourages innovation.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer - CRE & Housing - SME in Leeds
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already working at Lloyds Banking Group. A friendly chat can open doors and give you insider info on what they're looking for.
✨Tip Number 2
Prepare for the interview by brushing up on your credit analysis skills. Be ready to discuss real-life scenarios where you've managed risk and driven growth. Show them you know your stuff!
✨Tip Number 3
Don’t just wait for job openings—create your own opportunities! Apply through our website and express your interest in the Credit Officer role. Let us know why you're passionate about Real Estate & Housing.
✨Tip Number 4
Be yourself during interviews! We value diversity and fresh ideas, so don’t hesitate to share your unique perspective. Show us how you can contribute to our inclusive team culture.
We think you need these skills to ace Credit Officer - CRE & Housing - SME in Leeds
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 managing debt exposures or stakeholder engagement.
Showcase Your Communication Skills:As a Credit Officer, you'll need to communicate effectively with various stakeholders. In your application, give examples of how you've built strong relationships or influenced decisions in previous roles. We love seeing confident communicators!
Apply Through Our Website:Don't forget to apply through our website! It’s the best way to ensure your application gets to us directly. Plus, it shows you're keen on joining our team at Lloyds Banking Group. We can't wait to hear from you!
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 that you can handle the responsibilities of the role.
✨Build Relationships
This role involves collaboration with various stakeholders. Prepare examples of how you've successfully built relationships in previous roles. Think about times when you influenced decisions or improved processes through effective communication.
✨Stay Current on Market Trends
The Real Estate & Housing sector is dynamic, so it's crucial to stay informed about current trends and challenges. Research recent developments in the market and be prepared to discuss how they might impact credit risk and lending strategies.
✨Showcase Your Problem-Solving Skills
Be ready to discuss situations where you've identified risks and proposed solutions. Highlight your ability to challenge the status quo and bring new ideas to the table, as this aligns with the team's focus on continuous improvement.
