Credit Officer - SME

Location: City of Edinburgh

## Credit Officer - SMEApplylocations:
Birmingham:
Bristol:
Edinburgh time type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
August 10, 2026 (13 days left to apply) job requisition :
158692
** End Date
** Sunday 09 August 2026
** Salary Range**£67,023 - £74,470
** We support flexible working –  for more information on flexible working options
**** Flexible Working Options
** Hybrid Working, Job Share
** Job Description Summary**
- ** Job Description
***
* JOB TITLE:

Credit Officer
**** SALARY: £67,000 - £74,400
**** LOCATION(S):
Birmingham, Bristol or Edinburgh
*
* HOURS:

Full time (35 hours per week)
WORKING PATTERN:
Hybrid, 40% of time in an office location
** About this opportunity
** 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.
** What You’ll Be Doing*
* · 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.
*
* What you’ll need:

*
* · Strong credit risk experience.
· A strong background in credit risk and financial analysis and, ideally, experience in Markets and specifically FX lending decisions.
· Well-developed communication and influencing skills and are confident to challenge the status quo whilst being comfortable making and explaining your decisions.
· 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.
· Financial markets experience would be an advantage, but not essential.
** About working for us
** Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

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.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who…