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Job Description Summary

Job Description

Here at Lloyds Banking Group, the Small and Mid Corporates (SMC) Credit team have an opening for a Head of Credit Small and Medium Enterprises (SME). You'll be responsible for leading the credit teams supporting the Group’s small and medium sized businesses, reporting to the SMC Credit Director. Key risk partner to the business, responsible for credit risk strategy in support of SME business growth.

The role will come with a material delegated lending discretion. With significant upcoming change, you'll drive and deliver the development of credit to support business and customer requirements as well as the successful outcome of Credit Transformation and the goal of being an outstanding credit function.

Key accountabilities

Grow

• Lead credit risk appetite to support sustainable growth through economic cycles including the analysis, rating, structuring, sanctioning and monitoring of SME names
• Ensure end to end process is effective and efficient with clear roles and responsibilities
• Work closely with the SME business leadership to understand business strategy, provide an independent view as a trusted risk partner and identify safe business opportunities
• Provide early and solutions oriented advice to business on opportunities in line with risk appetite and returns criteria
• Champion the growth of SME credit colleagues including recruiting and retaining diverse talent with the right skillsets for growth aspirations and driving a change mindset
• Support colleague learning and wellbeing
• Develop and embed ESG strategies and route to net zero

Focus

• Provide strategic portfolio direction on asset quality and identify emerging risks quickly with clear action plans
• Support portfolio, sector and product reviews including presentation to senior stakeholders
• Exercise credit authority delegation for significant transactions with appropriate oversight mechanisms across teams
• Manage 1RCSA process for SME Credit
• Support credit stewardship in first line, with clear understanding of credit risk principles, and challenge
• Effectively communicate portfolio developments to external stakeholders, regulators and auditors

Change

• Support the significant change agenda across the SME business, notably in the development of further business with trading companies and the Growth and Structured Finance initiative
• Drive engagement and idea generation in the Credit Transformation journey
• Focus on change through simplification, efficiency, empowerment of credit officers, greater automation and use of data

What we need from you...!

You have extensive credit risk management and leadership experience across corporate businesses and an ability to quickly learn, adapt to new challenges and execute change. You'll have well-developed communication and influencing skills and are happy to challenge the status quo whilst being comfortable making and explaining your decisions. You will be able to balance conflicting demands whilst delivering to tight timescales. You will be able to recognise and deliver the changing skillsets required for the Risk Division of the Future. Experience in business or workout considered helpful.

What you'd get in return!

We'll give you a broad remuneration package which includes:

• A performance share bonus
• A generous pension contribution
• A flex cash pot you can adjust to suit your lifestyle
• Private health cover
• 30 days holiday plus bank holidays

Lloyds Banking Group is committed to building a workforce which reflects the diversity of the customers and communities we serve, and to creating an inclusive work environment where all our colleagues can be themselves and succeed on merit.

We'll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

Location flexible but role will require travel to Birmingham and Edinburgh teams

Our continued commitment to helping Britain recover means that as a colleague you can make a difference to customers, businesses and communities.

Together we have a key role to play in shaping the bank of the future, whilst the scale and reach of our Group means you'll continue to have opportunities to learn, grow and develop.

We're passionate about creating a values-led culture, and our approach to inclusion and diversity means that we all have the chance to create a real difference, together.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain recover. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.