Credit Officer - Mid Corporates

End Date

Sunday 18 January 2026

Salary Range

£0 - £0

We support flexible working –  for more information on flexible working options

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

JOB TITLE:

Credit Officer

HOURS:

Full time LOCATION(S):
Edinburgh, Birmingham or Leeds WORKING PATTERN:
Hybrid, 40% (or two days) in an office location

Job Description

The BCB Credit Underwriting team is looking to recruit two colleagues at the Credit Officer level to the Mid Corporate Credit team.

BCB Credit Underwriting team works closely with Coverage & Product partners, providing responsible, & sustainable credit risk management solutions to enable our customers and our business to grow. Mid Corporate customers are UK focused businesses generating revenues between £25m - £100m p.a., with the Mid Corporate business making significant investment to meet our growth aspirations in this segment.

We're responsible for advocating on credit process, policy & strategy, assessing the creditworthiness of our customers, structuring transactions, sanctioning transactions and monitoring the performance of our portfolio.

• Conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made. This involves the analysis of company prepared information, market due diligence, and identifying key strengths and risks. Submissions include new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.
• Liaise with originators, relationship managers, products partners, clients and where necessary shape structured credit proposals in order to maintain an acceptable balance of risk and reward.
• Monitor and control credit exposures to identify increases to the risk profile, communicating with senior Risk colleagues and sanctioners as well as other interested parties as appropriate, and to maintain compliance with LBG policy and regulatory policy.
• Undertake customer, sector and market research to ensure assessments have an external dimension and seek to apply sound judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal. This may include sensitivity analysis of internal/external cash flow models.
• Exercise credit authority delegation, where applicable.
• Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting. You'll assess proposed transactions against Group Policy and oversight the deal origination team in the same respect.

We provide an encouraging learning environment, with an emphasis on teamwork and personal development. You'll work in a high profile and demanding environment committed to delivering core positive group values, inspiring others to embrace innovation and simplify ways of working across teams.

• 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.

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…