Credit Officer - CIB Real Estate & Housing Sector

Job Description

This is an exciting opportunity to join LBGs Real Estate & Housing Credit team as a Credit Officer.RE&H Credit is primarily responsible for conducting credit assessment, monitoring, and credit portfolio management for all prospective and existing clients operating within the RE&H sector. The team partners directly with the Corporate & Institutional Banking("CIB") business to help drive revenue growth whilst maintaining an appropriate risk appetite to limit credit losses. As a Credit Officer, you will play a leading role in helping the team meet its objectives.Responsibilities: Roles at this level are typically for experienced professionals and/or operational line managers. On any given day, a Credit Officer can look forward to a variety of work such as:

• Taking a leading role in discussions with originators, relationship managers, and product partners as well as Senior Sanctioners to shape credit proposals, set credit risk appetite, and to maintain a balance of risk and reward.
• Identifying and evaluating complex financing proposals to find the ones that best meet the needs of the client, and which provide the bank with appropriate protection.
• Writing comprehensive credit submissions for new and existing borrowers that are reviewed by a variety of senior stakeholders, tailoring the tone and content to match the needs and expectations of each audience.
• Performing oversight of financial modelling and forecasts received from clients and/or produced by the business or Senior Credit Analysts. Derivation and interpretation of appropriate financial sensitivities to test credit quality of prospective borrowers.
• Maintaining robust knowledge of internal credit rating methodologies and recommending ratings to Senior Sanctioners for new and existing clients.
• Proactively monitoring the performance of the existing portfolio, communicating any emerging risks to senior management and other colleagues as appropriate, as well as ensuring compliance with LBG and regulatory policy.
• Partnering with key team members to undertake periodic sector reviews aimed at identifying potential areas of weakness as well as opportunity.
• Coaching colleagues including direct reports and providing specialist training for colleagues throughout the organisation.
• Proactively identifying and leading a wide variety of projects to improve processes and ways of working - helping to transition the team into a risk function of the future.
• Leading credit focused meetings with external clients as well as internal team members.
• Working in a high profile, professional, and demanding environment committed to putting people first, being bold, trusting each other, and embracing our differences.

About you, here is what were looking for:

• Reference to credit or sector specific skills.
• Strong critical analysis skills.
• Ability to establish strong working relationships with a variety of stakeholders.
• Demonstrable high levels of attention to detail, numeracy, and accuracy.
• Strong influencing skills and ability to communicate effectively at all levels and across different audiences, with strong written and verbal communications skills.
• Ability to prioritise multiple requests and competing demands.
• Good product knowledge of lending and derivatives.
• An inquisitive nature, independent thinking, adaptability to new challenges and a willingness to learn.
• An existing understanding of financial modelling.

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

About working for us Our focus is to ensure were inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture.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. And its why we especially welcome applications from under-represented groups. Weredisability confident. So if youd like reasonable adjustments to be made to our recruitment processes, just let us know.Ready for a career where you can have a positive impact as you learn, grow and thrive Apply today and find out more.Most of our colleagues are based in London. However, well consider other locations and are firm supporters of agile working.Well also make sure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and receive other benefits and privileges of employment. Pleasecontact us to request accommodation.