Job Title
Credit Officer – CRE & Housing – SME
Locations
Birmingham, Manchester, Edinburgh or Leeds
Hours
Full-time
Working Pattern
Hybrid, which involves spending at least two days a week, or 40% of time, at an office site.
About the role
The BCB Credit Risk team supports clients ranging from Small Businesses to Mid‑Corporate organisations. Within this division, the Real Estate & Housing Credit team manages clients with debt exposures of up to approximately £25m. This dynamic role combines high‑quality credit analysis, ongoing portfolio monitoring, and meaningful stakeholder engagement. You will work closely with business partners to drive sustainable revenue growth while ensuring risk is managed to protect the bank’s position. You will develop as a subject‑matter expert within Real Estate & Housing and gain exposure to other sectors.
Responsibilities
- Exercise sanction discretion or provide recommendations to senior sanctioning colleagues as appropriate.
- Collaborate with originators, relationship managers, product partners and Senior Sanctioners to shape credit proposals that fit our appetite and policies.
- Support the business to grow safely and securely, maintaining a balance of risk and reward.
- Proactively monitor portfolio performance, communicate emerging risks and ensure compliance with LBG and regulatory policy.
- Contribute to policy, sector and ad‑hoc reviews, providing constructive challenge to optimise outcomes.
- Respond to queries from Senior Leaders and Regulators, offering detailed insight into credit‑risk focus areas.
- Seek opportunities to improve ways of working and help transition the team into a future‑ready risk function.
What you’ll need
- Strong experience in the RE&H sector, with a solid credit background and exposure to deals of £10‑25m or larger.
- High attention to detail and strong numeracy, with the ability to work accurately in a fast‑paced environment.
- Confident communicator capable of influencing and building trusted relationships across stakeholders.
- Comfortable challenging the status quo and proposing improvements.
- Decisiveness and ability to articulate rationale in complex situations.
Benefits
- A generous pension contribution of up to 15%
- An annual performance‑related bonus
- Share schemes, including free shares
- Benefits adaptable to lifestyle, such as discounted shopping
- 30 days’ holiday plus bank holidays
- Well‑being initiatives and generous parental leave policies
Commitment to Diversity, Equity & Inclusion
We are a Disability‑Confident Leader and guarantee fair interviews for candidates meeting the minimum criteria under the Disability Confident Scheme. We provide reasonable workplace adjustments for colleagues with disabilities, long‑term health or neurodivergent conditions.
Legal EEO Statement
Equality and diversity are important values for our organisation. The Bank commits to provide employment and training opportunities to people from all backgrounds and with all abilities. We welcome applications from all qualified candidates, subject to suitable checks.
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