Credit Officer

Credit Officer

Salary range

£67,023 - £74,470

Location

Birmingham, Bristol, Edinburgh

End date

Wednesday 14 October 2026

Job type

Permanent

Posted date

Posted Yesterday

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JOB TITLE: Credit Officer

SALARY: £67,000 - £74,400

LOCATION(S): Birmingham, Bristol or Edinburgh

HOURS: Full time (35 hours per week)

WORKING PATTERN: Hybrid, 40% of time in an office location

About this opportunity

This is a fantastic opportunity to join the BCB Credit Underwriting team as a Credit Officer within the SME Credit team. Our team is focused on supporting sustainable growth while safeguarding credit quality, and is at the vanguard of our Helping Britain Prosper purpose.

Our team partners closely with Coverage (Relationship Management) and Product colleagues to serve clients in the SME sector. We deliver responsible credit risk solutions that enable customers – and our business – to grow securely. We advocate robust credit processes, actively contribute to credit policy strategy, structure and sanction transactions, and monitor portfolio performance.

The SME Credit team focuses on sanctioning transactions for clients with revenues between £3m and £50m per annum. This is a segment where we are investing significantly to support ambitious growth plans.

What You’ll Be Doing

• Apply your delegated credit authority to sanction SME transactions or provide recommendations to senior colleagues. This includes new-to-bank lending, increased facilities, refinances, restructures, annual credit reviews and tailored product solutions.

• The role will involve a focus on supporting the expansion of our Markets proposition for FX to existing and prospective SME Clients.

• Collaboration and stakeholder management is critical for our success. Key stakeholders include Area Directors, Relationship Managers and Product Partners. Client visits are a key part of the role.

• Maintain strong credit quality across our portfolio, enabling safe and sustainable business growth.

• Ensure compliance with bank and regulatory standards to minimise risk exposure.

• Contribute to policy, sector and ad-hoc reviews, offering constructive challenge and insight to optimise outcomes.

• Respond to executive and regulatory queries with clear, detailed analysis of credit risk within your portfolio.

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.

What you’ll need:

• Strong credit risk experience.

• A strong background in credit risk and financial analysis and, ideally, experience in Markets and specifically FX lending decisions.

• Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your decisions.

• Ability to balance conflicting demands whilst delivering to tight timescales.

• Ability to quickly learn and adapt to new challenges.

• Demonstrate sound judgement, strong decision-making skills, good attention to detail and the ability to collaborate.

• Financial markets experience would be an advantage, but not essential.

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

If you’re excited by the opportunity to make an impact in a high-performing team and grow your career in a business-critical area, we’d love to hear from you.

Job ID

158692

Agile Working Options

Job Share; Hybrid Working

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Benefits that work for you

Our benefits are designed to support you both in and out of work. We offer a competitive pay and benefits package including health insurance, pension, holiday allowance and flexible working.

• Benefits

• Development and progression

• With us, your development is a priority, and we’ll ensure you have the right tools to grow and learn.

• Our offices

• Our newly renovated offices boast state-of-the-art tech and top-class facilities to help colleagues to connect, collaborate and thrive in an environment so they can do their best work for our customers.

• Our offices

• A talent community for you

• Not ready to apply for anything just yet? Don't worry, join our talent community. We're matching amazing people to new opportunities every single day.

• Join our talent community

• At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

• We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

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• Benefits that work for you

• From holiday allowance and flexible working options to private health cover and generous pension contributions, we’ve built a benefits package that works for everyone.

Join us and you’ll have access to:

• Pay and Bonus – competitive salaries as well as bonus aligned to group, business area and individual performance.

• Hybrid working giving you the option to work from home for up to three days a week, extended up to five days a week over the summer period.

• Private medical insurance providing all colleagues with access to quality medical care, including accommodation, nursing care and specialist advice.

• Generous pension scheme with employer contributions. The more you save, the more we'll contribute to your plan, starting with 9% if you pay in 3% of your salary, going all the way up to 15% if you contribute 6% or more.

• Financial products and colleague offers – you’ll be able to take advantage of all our financial products, some at a discounted rate, including current accounts, home and car insurance and loans.

• Family leave – from day one you’ll be able to have 52 weeks' leave after your child is born or placed for adoption; six months of that leave is fully paid. Partners can have six weeks of fully paid paternity leave.

• Holiday trading - buy or sell extra days to suit your lifestyle.

• Share plans align your reward package.

• Development and progression

• From the moment you join us, to every step you take in your career with us, you’ll be learning, developing and growing.

• You’ll be empowered to tailor your own learning and development to meet your needs, whether that be on-the-job, formally or informally, through others such as mentoring or coaching, or more intentionally through learning courses or gigs.

• We’ll help you take ownership of your career, with clear pathways, practical resources and the freedom to move across teams and roles. When you grow, everyone benefits!