Credit Officer – SME

Lloyds Banking Group

Credit Officer joining the BCB Credit Underwriting team focused on SME transactions. Collaborating with stakeholders to provide credit risk solutions while ensuring compliance and credit quality.

Posted 7/27/2026full-timeBirmingham • 🇬🇧 United KingdomMid-LevelSenior💰 £67,023 - £74,470 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong credit risk analysis and decision-making capabilities, with a focus on compliance and stakeholder management in the financial markets sector. Proven ability to influence and communicate effectively while maintaining credit quality and managing portfolio risks.

Highest-signal resume keywords

Credit Risk ExperienceFinancial AnalysisFX Lending DecisionsStakeholder ManagementRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisFinancial AnalysisFX LendingCredit Quality ManagementDecision-Making

Soft Skills

Communication SkillsInfluencing SkillsAttention to DetailCollaborationAdaptability

Industry Keywords

Financial MarketsSME ClientsRegulatory StandardsRisk ExposurePolicy Reviews

About the role

Key responsibilities & impact

Apply your delegated credit authority to sanction SME transactions or provide recommendations to senior colleagues.
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.

Requirements

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.

Benefits

Comp & perks

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