Job Description

End Date Monday 24 November 2025
Salary Range 83,411 - 98,130
Flexible Working Options Hybrid Working, Job Share
Summary TITLE: Senior 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

An exciting opportunity to join LBG's Asset Finance Credit team as a Senior Credit Officer supporting BCB clients and playing a leading role in enabling Credit's support for the Bank's ambitious growth strategy in Asset Finance.
Asset Finance sits within the Commercial Banking division serving business clients across a wide variety of sectors - from small businesses to multinational corporations. The focus of this role will be BCB clients.
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. Drawing upon a strong Asset Finance credit risk background and excellent stakeholder management skills, you will lead the team to be a best-in-class Asset Finance credit team.
Fostering a collaborative environment between the First Line of Defence (1LOD) and Second Line of Defence (2LOD) by promoting open communication, teamwork, and mutual understanding to enhance risk management practices. Bridging the gap between the two lines of defence by facilitating Credit's ability to support the BCB Asset Finance team's growth strategy and entrenching a consistent and efficient Credit risk management approach.
What you'll be doing
As an integral part of the Asset Finance Credit Team, you will:

• Structuring, reviewing and signing-off new structured Asset Finance lending transactions, while supporting the wider Credit team in analysing and assessing transactions. Provide insight into and critical assessment of operational processes.
• Working with Product and Product Risk to ensure the data framework is appropriate and review key trends, connections, and concentrations across the Asset Finance portfolio and provide key recommendations.
• Introducing and implementing industry best practices to enhance efficiency, compliance, and overall operational effectiveness across product governance, policy, and operational process.
• Representing Asset Finance Credit at product and portfolio governance/approval forums.
• Creating and delivering training and mentoring programs on Asset Finance to support development of the wider BCB Credit team's skills and capabilities.
• Taking the initiative to drive projects and improvements by proactively identifying opportunities for enhancement and leading efforts to implement changes.
• Working in a high profile, professional, and demanding environment committed to putting people first, being bold, trusting each other, and embracing our differences.
• Ultimately Line Managing direct reports and playing a key role in their career development.

We're renowned for nurturing and developing our team members so you'll also be coaching colleagues, providing specialist training and helping to transition us into a risk function of the future!
What you'll need:

• A strong Credit background with experience in Asset Finance and and Asset Finance Products
• Understanding of the range of assets we finance, including new transition technology assets (EV's)
• An understanding of credit models including PDs and LGDs, and assessing asset valuations
• Good operational understanding of Asset Finance Products especially leasing asset ownership.
• Track record in identifying and delivering change.
• Experience of demonstrating sound judgement and decisiveness.
• Sophisticated financial and non-financial analytical skills and critical analysis skills.
• Knowledge of Asset Finance facility documentation
• Ability to establish strong working relationships with a variety of stakeholders.
• Demonstrable high levels of attention to detail, numeracy, and accuracy.
• Experience of leading teams and line management.
• Ability to communicate effectively at all levels and across different audiences including Senior Sanctioner's on complex issues / risks, with strong written and verbal communications skills.

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