Finance Manager overseeing financial performance for T - Ads business units. Driving insights and reporting metrics to support strategic decisions.
LG
Hybrid Senior Credit Officer – Asset Finance, Business & Commercial Banking
Posted 5 months ago
About the role
- Senior Credit Officer supporting BCB clients and leading Asset Finance credit team at Lloyds Banking Group. Enabling credit support for Bank’s growth strategy in Asset Finance.
Responsibilities
- 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.
Requirements
- 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.
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
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