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Credit Officer - SME Healthcare

  • Posted 8 days ago
  • Permanent
  • 149289
  • Birmingham, Edinburgh
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End date

Sunday 18 January 2026

Salary range

£65,385 - £72,650

We're rebooting an icon and building the future of finance.

Find out why you should join us.

Agile Working Options

Job Share; Hybrid Working

Job description

What You’ll Be Doing

  • Applying 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.
  • 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.

What you’ll need

  • Strong credit risk experience.
  • A strong background in credit risk and financial analysis and, ideally, experience of cashflow based lending.
  • Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your recommendations.
  • 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.

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 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.

About working for us

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're committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best. 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.

As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern. If you'd like an adjustment 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.
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Think all banks are the same? You'd be wrong.

We're a fast paced, forward thinking business that's shaping finance as a force for good.
A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

Think all banks are the same? You'd be wrong.

We're a fast paced, forward thinking business that's shaping finance as a force for good.
A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

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, family leave 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.

Development and progression

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.