Credit Officer - SME Agriculture

Overview

Credit Officer - SME Agriculture at Lloyds Banking Group. The role is within the SME Credit Agriculture Team, part of the BCB Credit Underwriting function, focused on sanctioning credit transactions for clients with revenue between £3m and £25m. The team collaborates with Coverage & Product partners to provide responsible and sustainable credit risk management solutions that support client growth and resilience.

Working pattern: Hybrid, spending at least two days per week, or 40% of time, at an office site.

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Finance

Industries: Banking

• Exercise sanction discretion across SME deals within your Delegated Credit Authority or provide recommendations to senior sanctioning colleagues. This includes new-to-bank business, increased lending, refinances, restructures, and product solutions for existing customers.
• Work as part of a team to support credit risk management for a geographic portfolio of SME Agriculture customers.
• Collaborate with relationship managers, product partners and clients to shape credit proposals that balance risk and reward.
• Maintain good credit quality of the portfolio to enable safe growth.
• Ensure compliance with Bank policy, regulatory requirements and other rules to minimise risk.
• Contribute to policy, sector and ad-hoc reviews, providing constructive challenge to optimise outcomes on individual cases.
• Respond to queries from the Executive and Regulators with detailed insight into areas of credit risk focus within the portfolio.

• A strong background in credit risk and financial analysis; ideally experience with cashflow-based lending.
• Well-developed communication and influencing skills; able to challenge the status quo and explain recommendations clearly.
• Ability to balance conflicting demands while meeting tight timescales.
• Ability to learn quickly and adapt to new challenges.
• Sound judgement, strong decision-making, attention to detail, and collaborative capability.

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits adaptable to lifestyle, such as discounted shopping
• 30 days' holiday, with bank holidays on top
• 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.

We aim to be inclusive every day, building an organisation that reflects modern society and celebrates diversity. We’re committed to a consciously inclusive workplace where colleagues can be themselves, thrive and perform at their best. We offer Workplace Adjustments for colleagues with a disability when reasonable, including 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.