Credit Officer handling Asset Finance lending requests for SME clients at Lloyds Banking Group. Involves credit analysis, portfolio management, and stakeholder engagement with a focus on development.
Responsibilities
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
Look to develop your credit and structuring expertise to support larger clients
Drive efficiencies through simplification and challenge, and contribute to a high performing team
Requirements
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
Benefits
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
Job title
Credit Officer – Asset Finance, Business & Commercial Banking
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