Job Description

End Date Monday 24 November 2025
Salary Range 65,385 - 72,650
Flexible Working Options Hybrid Working, Job Share
Summary TITLE: Credit Officer - Asset Finance - Business & Commercial Banking
Location: Birmingham, Leeds or Edinburgh
HOURS: Full-time
WORKING PATTERN: We observe Hybrid Working requirements including attendance of 40% (circa two days a week) at our hub

Asset Finance sits within the Commercial Banking division serving business clients across a wide variety of sectors - from small businesses to multinational corporations. Asset Finance plays a key part of the cashflow solution for many trading businesses, is a growth product both within LBG and the UK, making this an exciting and important area to develop a career within the wider Group.
The Asset Finance Credit Team supports a dedicated Sales team and other stakeholders, by undertaking credit analysis on new credit proposals, shaping structures and defining credit strategy and risk appetite, as well as ongoing portfolio monitoring.
The role is that of a Credit Officer primarily serving our volume SME (BCB) customers and sales team. The role includes credit analysis and sanctioning, monitoring and supporting a range of credit risk management processes and systems, supporting the efficient and effective production of high-quality analysis and managing stakeholder needs.
What you'll be doing
As an integral part of the Asset Finance Credit Team, you will:

• Assess new and repeat Asset Finance based lending requests, reviewing/analysing financial statements and other information to ensure credit risks are well managed and within risk appetite.
• Help manage our Credit portfolio by providing timely and insightful decisions to set and manage credit risk appetite and ensuring it is clearly defined and well-communicated
• Actively engage with various stakeholders to form effective relationships and maximise personal effectiveness.
• Develop an in-depth knowledge of Asset Finance and our product suite (namely Hire Purchase, Leasing and Loans), including documentation and associated credit, market, operational and regulatory risks.
• Whilst looking at lending requests in our volume business, you will look to develop your credit and structuring expertise to support larger clients.
• On occasion there may be an ask to become involved in Ad hoc projects.
• As part of the Credit Team, look to drive efficiencies through simplification and challenge, and contribute to a high performing team.
• In the fullness of time, you will have the opportunity to cover other Asset Finance customer sectors and products as we help you develop into a well-rounded Risk professional.

What we need from you
We need someone passionate about Credit and risk management, who has shown an ability to learn quickly and adapt to new challenges. Well-developed communication, influencing and numerical skills help you challenge the status quo, and ensure you're comfortable making and explaining decisions. There will be conflicting demands that need to be handled in an effective manner.
Key Capabilities

• A strong Credit background in Asset Finance (focussing on SME clients).
• Demonstrable high levels of attention to detail, numeracy, and accuracy.
• Strong financial and non-financial analytical skills
• Good operational understanding of Asset Finance Products.
• Strong (and oral) communication and influencing skills
• Demonstrate continuous learning and self-development and become a subject matter expert.
• Effective time management skills with an ability to deliver quality outputs at pace whilst managing conflicting demands
• Excellent inter-personal and team working skills, with a proven ability to motivate, enthuse colleagues.

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

About working for us
We're a growing specialised credit risk management team supporting an important and sophisticated asset class and if you're excited by the thought of becoming part of our team and this role, get in touch. We'd love to hear from you!
In return for bringing us your experience, passion and engagement, we're offering a strong platform to fulfil your career potential.
Lloyds Banking Group is committed to building a workforce which reflects the diversity of the customers and communities we serve, and to creating an inclusive work environment where all our colleagues can be themselves and succeed on merit. 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 want our people to feel that they belong and can be their best, regardless of background, identity or culture.
If you'd like reasonable adjustments to be made to the recruitment process, just let us know.
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.

Skills Required