At a Glance
- Tasks: Conduct high-quality credit analysis and engage with stakeholders to drive sustainable growth.
- Company: Join Lloyds Banking Group, a leader in diversity and innovation.
- Benefits: Enjoy a generous pension, performance bonuses, and 30 days holiday.
- Other info: Hybrid working model with a focus on personal and professional development.
- Why this job: Make a real impact in the Real Estate & Housing sector while growing your career.
- Qualifications: Strong credit background in Real Estate & Housing with excellent communication skills.
The predicted salary is between 55000 - 65000 £ 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.
Benefits include:
- 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
Senior CRE & Housing Credit Officer (Hybrid) in Leeds employer: Lloyds Banking Group
Lloyds Banking Group is an exceptional employer, offering a dynamic and inclusive work environment where employees can thrive and grow. With a strong focus on professional development, diversity, and employee wellbeing, the company provides generous benefits including a substantial pension contribution, flexible working arrangements, and a commitment to supporting all employees through various initiatives. Located in vibrant cities like Birmingham, Manchester, Edinburgh, and Leeds, this role not only allows for meaningful engagement with clients but also fosters a culture of collaboration and innovation.
StudySmarter Expert Advice🤫
We think this is how you could land Senior CRE & Housing Credit Officer (Hybrid) in Leeds
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and don’t be shy about asking for introductions. We all know that sometimes it’s not just what you know, but who you know that can land you that dream job.
✨Tip Number 2
Prepare for those interviews by researching the company and its culture. Understand their values and how they align with yours. We want you to walk in feeling confident and ready to show them why you’re the perfect fit for the Senior CRE & Housing Credit Officer role.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or mentors to refine your answers and get comfortable with the format. We suggest focusing on your experience in the RE&H sector and how you can contribute to the team’s success.
✨Tip Number 4
Don’t forget to follow up after your interviews! A simple thank-you email can go a long way in keeping you top of mind. We believe it shows your enthusiasm for the role and helps build that all-important rapport with your potential future colleagues.
We think you need these skills to ace Senior CRE & Housing Credit Officer (Hybrid) in Leeds
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the role of Senior CRE & Housing Credit Officer. Highlight your experience in the RE&H 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 your ability to build strong relationships and influence stakeholders.
Showcase Your Achievements:Don’t just list your responsibilities; showcase your achievements! Use specific examples that demonstrate your high attention to detail and decision-making skills, especially in complex situations. We love seeing how you've made an impact in previous roles.
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’re considered for the role. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Numbers
Make sure you brush up on your financial acumen, especially around credit analysis and portfolio management. Be ready to discuss specific deals you've worked on, particularly in the £10-25m range, as this will show your expertise in the Real Estate & Housing sector.
✨Engage with Stakeholders
Prepare to demonstrate your ability to build strong relationships with various stakeholders. Think of examples where you've influenced decisions or collaborated effectively with teams, as this role requires a lot of interaction with originators and senior sanctioners.
✨Challenge the Status Quo
Show that you're not afraid to bring new ideas to the table. Think about times when you've identified areas for improvement in processes or policies and be ready to share these insights during the interview. This will highlight your proactive approach to risk management.
✨Articulate Your Decisions
Be prepared to explain your decision-making process clearly, especially in complex situations. Use examples from your past experiences to illustrate how you’ve made tough calls and the rationale behind them, as this will demonstrate your confidence and analytical skills.
