Credit Officer (SME Job Birmingham area,England UK,Finance & Banking

Position: Credit Officer (SME)

HOURS:

Full time (35 hours per week)
This is a fantastic opportunity to join the BCB Credit Underwriting team as a Credit Officer within the SME Credit team
Our team is focused 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 (Relationship Management) 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 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 £50m per annum
This is a segment where we are investing significantly to support ambitious growth plans
Apply 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
The role will involve a focus on supporting the expansion of our Markets proposition for FX to existing and prospective SME Clients
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
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

Benefits

A generous holiday allowance:
You’ll be eligible for a minimum of 22 days holiday (excluding bank holidays), rising to 30 days based on length of service and grade.
A flexible way of working:
Whether you want flexibility over your location or when you log on, together we can create an approach that works for you and for the business.
Family leave:
Up to 63 weeks of maternity or adoption leave. Statutory maternity or adoption pay is available for 39 weeks, and 20 weeks will be enhanced to the equivalent of full pay. Partners can have six weeks of fully paid paternity leave.
Flex cash:
This is 4% of your basic salary and can be used to spend on the benefits of your choice, or you can choose to take it as a cash top up in your monthly salary.
Health insurance:
Our company funded Private Medical Benefit provides all colleagues with access to good quality medical care, including accommodation, nursing care and specialist advice.
Colleague Offers:
Get discounts on everything from electrical items to cinema tickets and weekly food shopping. You can share this benefit with up to ten family members or friends.
Financial products:
Take advantage of our great financial products, some at a discounted rate, including current accounts, home and car insurance and loans.
Share plans:
Participate in Share match and receive matching shares of up to £45 a month from the company, and you can choose to participate in Sharesave, our combined savings and share option plan.
Pension:
We offer a generous pension plan, with all joiners being automatically enrolled in our ‘Your Tomorrow’ scheme. You can decide how much you save and get a say in where your contributions are invested.

Ability to quickly learn and adapt to new challenges
A strong background in credit risk and financial analysis and, ideally, experience in Markets and specifically FX lending decisions
Ability to balance conflicting demands whilst delivering to tight timescales
Financial markets experience would be an advantage, but not essential
Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your decisions
Strong credit risk experience
Demonstrate sound judgement, strong decision-making skills, good attention to detail and the ability to collaborate

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