Credit Officer - SME Healthcare

Credit Officer – SME Healthcare

Locations:
Edinburgh or Birmingham

• Working pattern:
  Hybrid – at least two days per week (or 40%) at an office.
• Full time
• Salary range: £65,385 – £72,650
• Flexible working options:
  Hybrid working, job share
• End date: 18 January 2026

Join the BCB Credit Underwriting team as a Band E Credit Officer within the SME Credit Healthcare team. The team supports sustainable growth while safeguarding credit quality and is at the vanguard of our Helping Britain Prosper purpose. We partner closely with Coverage and Product colleagues to serve SME clients, delivering 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.

• Applying your delegated credit authority to sanction SME transactions or provide recommendations to senior colleagues, including new‑to‑bank lending, increased facilities, refinances, restructures, annual credit reviews and tailored product solutions.
• Collaboration and stakeholder management: working with Area Directors, Relationship Managers and Product Partners and including client visits.
• Maintain strong credit quality across the 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.

• Strong credit risk experience, ideally in cash‑flow based lending.
• A strong background in credit risk and financial analysis.
• Well‑developed communication and influencing skills, confident to challenge the status quo and comfortable making and explaining 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.

• 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.

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 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.

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. We’ll only ever ask you to provide confidential or sensitive information once you have formally been invited to an interview or accepted a verbal offer, at which point we run our background checks. We always explain what we need and why, coming from a trusted Lloyds Banking Group person. We’re focused on creating a values‑led culture and are committed to building a workforce that reflects the diversity of the customers and communities we serve.

Together we’re building a truly inclusive workplace where all colleagues have the opportunity to make a real difference. With 320 years under our belt, we’re used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers. Here, you’ll do the best work of your career.

Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.