Credit Officer - SME Agriculture

Location: City of Edinburgh

Credit Officer - SME Agriculture page is loaded## Credit Officer - SME Agriculture locations:
Edinburgh:
Birmingham 125 Colmore Rowtime type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
January 19, 2026 (13 days left to apply) job requisition :
149290
** 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 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 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,…