Credit Officer - SME Healthcare

Credit Officer - SME Healthcare page is loaded## Credit Officer - SME Healthcare locations:
Birmingham:
Edinburgh New Uberior House Head Office time type:
Full time posted on:
Posted Yesterday time left to apply:
End Date:
January 19, 2026 (12 days left to apply) job requisition :
149289
** End Date
** Sunday 18 January 2026
** Salary Range**£65,385 - £72,650
** Flexible Working Options
** Hybrid Working, Job Share
** Job Description Summary
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* TITLE:

Credit Officer - SME   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 a fantastic opportunity to join the BCB Credit Underwriting team as a Band E Credit Officer within the SME Credit Healthcare team. Our team is focussed on supporting sustainable growth while safeguarding credit quality and is at the vanguard of our Helping Britain Prosper purpose.
Our team partners closely with Coverage and Product colleagues to serve clients in the SME sector. We deliver responsible credit risk solutions that enable customers – and our business – to grow securely. We advocate for robust credit processes, actively contribute to credit policy strategy, structure and sanction transactions, and monitor portfolio performance.
The SME Credit team focuses on sanctioning transactions for clients with revenues between £3m and £25m. This role sits within the Healthcare team – a critical sector for LBG and the wider UK economy. Healthcare is the second largest sector in our SME portfolio and critical to the growth agenda in the SME business. Our team cover sub sectors including Doctors, Dental, Retail Pharmacy, Care Homes, Vets & Children’s Day Nurseries
** Job Description
**** What You’ll Be Doing
*** Applying your delegated credit authority to sanction SME transactions or provide recommendations to senior colleagues. This includes new-to-bank lending, increased facilities, refinances, restructures, annual credit reviews and tailored product solutions.
* Collaboration and stakeholder management is critical for our success.  Key stakeholders include Area Directors, Relationship Managers and Product Partners.  Client visits are a key part of the role.
* Maintain strong credit quality across our portfolio, enabling safe and sustainable business growth.
* Ensure compliance with bank and regulatory standards to minimise risk exposure.
* Contribute to policy, sector and ad-hoc reviews, offering constructive challenge and insight to optimise outcomes.
* Respond to executive and regulatory queries with clear, detailed analysis of credit risk within your 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 policies

We 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…