SME Credit Officer - Social and Supported Housing
Lloyds Bank plc
Birmingham, UK
Published today
Full Time
End Date
Monday 13 October 2025
Salary Range
£65,385 - £72,650
We support flexible working - click here for more information on flexible working options
Flexible Working Options
Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours
Job Description Summary
Monitor and support a range of credit risk management processes and systems including credit sanctioning decisioning. Supporting the efficient and effective production of high quality analysis, anticipating stakeholder needs.
Job Description
This is an exciting opportunity to join the SME Property Credit team as a Credit Officer focussing on Social and Supported Housing clients, a critically meaningful role that contributes directly to our Group Social Housing Initiative.
About the team
Part of Business and Commercial Banking Credit's Real Estate & Housing Team, the SME Property Credit team are the partner for SME coverage colleagues supporting the Group's property clients, ranging from small businesses to clients with large property portfolios. This is a dynamic role combining credit analysis, portfolio monitoring, stakeholder management and lending decisions. The team partners directly with the Business & Commercial Banking ("BCB") business to help drive revenue growth whilst maintaining an appropriate risk appetite to limit credit losses. With our business growth ambitions supporting Charlie's vision, combined with the current economic outlook and competitor landscape, there really couldn't be a more exciting time to join us!
The Real Estate & Housing Credit team is renowned for nurturing and developing colleagues. The team encourages sharing of knowledge and provides colleagues opportunities and support to grow both professionally and personally to unlock their full potential. We are an inclusive team which embraces new ideas and deeply values diversity.
Responsibilities
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 keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
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.
Monday 13 October 2025
Salary Range
£65,385 - £72,650
We support flexible working - click here for more information on flexible working options
Flexible Working Options
Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours
Job Description Summary
Monitor and support a range of credit risk management processes and systems including credit sanctioning decisioning. Supporting the efficient and effective production of high quality analysis, anticipating stakeholder needs.
Job Description
This is an exciting opportunity to join the SME Property Credit team as a Credit Officer focussing on Social and Supported Housing clients, a critically meaningful role that contributes directly to our Group Social Housing Initiative.
About the team
Part of Business and Commercial Banking Credit's Real Estate & Housing Team, the SME Property Credit team are the partner for SME coverage colleagues supporting the Group's property clients, ranging from small businesses to clients with large property portfolios. This is a dynamic role combining credit analysis, portfolio monitoring, stakeholder management and lending decisions. The team partners directly with the Business & Commercial Banking ("BCB") business to help drive revenue growth whilst maintaining an appropriate risk appetite to limit credit losses. With our business growth ambitions supporting Charlie's vision, combined with the current economic outlook and competitor landscape, there really couldn't be a more exciting time to join us!
The Real Estate & Housing Credit team is renowned for nurturing and developing colleagues. The team encourages sharing of knowledge and provides colleagues opportunities and support to grow both professionally and personally to unlock their full potential. We are an inclusive team which embraces new ideas and deeply values diversity.
Responsibilities
- 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.
- Ensure credit risk is well managed within the Bank's risk appetite using a personal delegated credit authority appropriately.
- 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.
- Sector and credit expertise: Track record of assessing the credit worthiness of social and supported housing clients and structuring lending accordingly.
- Demonstrable high levels of attention to detail, numeracy, and accuracy.
- Good communication and influencing skills.
- Ability to establish strong working relationships.
- Willingness to challenge the status quo.
- Confidence in making and explaining decisions.
- Ability to prioritise multiple requests and meet deadlines.
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 keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
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.