Credit Officer - SME Agriculture

Credit Officer - SME Agriculture page is loaded Credit Officer - SME Agriculturelocations: Edinburgh: Birmingham 125 Colmore Rowtime type: Full timeposted on: Posted Todaytime left to apply: End Date: January 19, 2026 (13 days left to apply)job requisition id: 149290 End Date Sunday 18 January 2026 Salary Range £65,385 - £72,650 Flexible Working Options Hybrid Working, Job Share Job Description Summary TITLE: Credit Officer - SME Agriculture LOCATIONS: Edinburgh or Birmingham WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites This is an exciting opportunity to join the BCB Credit Underwriting team where we are looking to recruit a Band E colleague at Credit Officer level into the SME Credit team. The BCB Credit Underwriting team works closely with Coverage & Product partners, serving the Group's clients ranging from small businesses to turnover of £100m. We provide responsible, & sustainable credit risk management solutions to enable our customers and our business to grow. We're responsible for advocating on credit process, policy & strategy, assessing the creditworthiness of our customers, structuring transactions, sanctioning transactions and monitoring the performance of our portfolio. The SME Credit team is specifically responsible for sanctioning credit transactions for clients with revenue between £3m - £25m. The role is within the SME Credit Agriculture Team and is an excellent opportunity to work as part of a team in a wide-ranging and interesting sector critical to LBG and the UK economy and where we look to support clients in growth, resilience, diversification and transitioning farming practices. Job Description What you'll be doing Exercise your sanction discretion across SME for those deals within your Delegated Credit Authority or provide your recommendations to senior sanctioning colleagues, as appropriate. This will include transactions for new to bank business, and increased lending, refinances, restructures and product solutions for existing customers. Working together in a team, you'll support the credit risk management of a geographic portfolio of SME Agriculture customers. Closely liaise with relationship managers, products partners and clients to help shape credit proposals in order to maintain an acceptable balance of risk and reward. Maintain the good credit quality of the portfolio, helping the business to grow safely and securely. Ensure compliance with Bank and regulatory policy and other rules and regulations in order to minimise risk. Contribute to Policy, sector and ad-hoc reviews, providing constructive challenge and support to optimise outcomes on individual cases. Respond to queries from the Executive and the Regulators, providing detailed insight into any areas of credit risk focus within the portfolio. What you'll need Strong credit risk experience. A strong background in credit risk and financial analysis and, ideally, experience of cashflow based lending. Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your recommendations. Ability to balance conflicting demands whilst delivering to tight timescales. Ability to quickly learn and adapt to new challenges. Demonstrate sound judgement, strong decision-making skills, good attention to detail and the ability to collaborate. 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 policiesWe offer a supportive learning environment, prioritising teamwork and personal development. You'll work in a high-profile, fast-paced setting that champions innovation and simplification, aligned with our core Group values. About working for us 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're committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern. If you'd like an adjustment to the recruitment process just let us know.If you're excited by the thought of becoming part of our team, get in touch. We'd love to hear from you.We provide an encouraging learning environment, with an emphasis on teamwork and personal development. You'll work in a high profile and demanding environment committed to delivering core positive group values, inspiring others to embrace innovation and simplify ways of working across teams. 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. With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers.Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.