Need help reading this page? Click to activate Recite Me popup.

Credit Officer - Asset Finance SME

Apply now

End date

Sunday 23 March 2025

Salary range

£65,385 - £72,650

We support agile working

Click here for more information on agile working options.

Agile Working Options

Job Share; Hybrid Working

Job description

The role is that of a Credit Officer primarily serving our volume SME (BCB) customers and sales team. The role includes credit analysis and sanctioning, monitoring and supporting a range of credit risk management processes and systems, supporting the efficient and effective production of high-quality analysis and managing stakeholder needs.

What you'll be doing

As an integral part of the Asset Finance Credit Team, you will:

  • Assess new and repeat Asset Finance based lending requests, reviewing/analysing financial statements and other information to ensure credit risks are well managed and within risk appetite.
  • Help manage our Credit portfolio by providing timely and insightful decisions to set and manage credit risk appetite and ensuring it is clearly defined and well-communicated
  • Actively engage with various stakeholders to form effective relationships and maximise personal effectiveness.
  • Develop an in-depth knowledge of Asset Finance and our product suite (namely Hire Purchase, Leasing and Loans), including documentation and associated credit, market, operational and regulatory risks.
  • Whilst looking at lending requests in our volume business, you will look to develop your credit and structuring expertise to support larger clients. 
  • On occasion there may be an ask to become involved in Ad hoc projects. 
  • As part of the Credit Team, look to drive efficiencies through simplification and challenge, and contribute to a high performing team.
  • In the fullness of time, you will have the opportunity to cover other Asset Finance customer sectors and products as we help you develop into a well-rounded Risk professional.

What we need from you

We need someone passionate about Credit and risk management, who has shown an ability to learn quickly and adapt to new challenges. Well-developed communication, influencing and numerical skills help you challenge the status quo, and ensure you're comfortable making and explaining decisions. There will be conflicting demands that need to be handled in an effective manner.  Experience in Asset Finance is desirable but not essential.

Key Capabilities

  • Strong (written and oral) communication and influencing skills
  • Comfort with numerical analysis.   
  • Demonstrate continuous learning and self-development and become a subject matter expert.  
  • Effective time management skills with an ability to deliver quality outputs at pace whilst managing conflicting demands
  • Excellent inter-personal and team working skills, with a proven ability to motivate, enthuse colleagues. 

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

We'll help you perform at your best today, so you can fulfil all your potential in the future. We know that success is built from the inside out through our people. In return for your expertise, you’ll enjoy our total dedication to your ongoing personal and professional development.

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture.

If you’d like reasonable adjustments to be made to the recruitment process, just let us know.

If you’re excited by the thought of becoming part of our team, get in touch. We’d love to hear from you.
Apply now Search for more roles

Can't find the role you want right now?

By joining our Talent Community your profile will be visible to our recruitment teams, who are constantly looking to match outstanding talent with our current and future opportunities. Just complete the short form and we’ll be able to keep you up to date.
 

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.