End Date Sunday 18 January 2026 Salary Range £65,385 - £72,650 We support flexible working – click here for more information on flexible working options Flexible Working Options Hybrid Working, Job Share Job Description Summary TITLE: Credit Officer - SME LOCATIONS: Edinburgh or Birmingham WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites This is a fantastic opportunity to join the BCB Credit Underwriting team as a Band E Credit Officer within the SME Credit Healthcare team. Our team is focussed 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 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 for 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 £25m. This role sits within the Healthcare team – a critical sector for LBG and the wider UK economy. Healthcare is the second largest sector in our SME portfolio and critical to the growth agenda in the SME business. Our team cover sub sectors including Doctors, Dental, Retail Pharmacy, Care Homes, Vets & Children’s Day Nurseries 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. 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.