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
Job title
Senior Credit Officer – Asset Finance, Business & Commercial Banking
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