Credit Officer

4 weeks ago


London, United Kingdom Lloyds Banking Group Full time

End Date

Monday 19 June 2023

Salary Range

£0 - £0

Agile Working Options

Flexible / Variable Hours

Job Description Summary

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.

Lloyds Banking Group has been the top Project Finance bank in the UK since 2018. Infrastructure & Project Finance Credit (“I&PF Credit”) is the credit team which supports this business area. Together with Acquisition Finance and Energy & Commodities, we make up Leveraged & Structured Finance Credit, the 2nd line of defence responsible for structured finance credit in Lloyds, and a key facet within Corporate & Institutional Coverage Credit. I&PF Credit is specifically responsible for the independent credit analysis and sanction of facilities provided to counterparties involved in the infrastructure and project finance sectors. Our main asset classes are Renewables, PFI, Economic Infrastructure and Digital Infrastructure.

**Job Description**:
What you'll be doing..
- You'll be one of a team of Credit Officers specialised in Infrastructure and Project Finance.
- You'll conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made. This involves the analysis of company prepared information, extensive technical and market due diligence, and identifying key strengths and risks. Submissions include new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.
- You’ll liaise with originators, relationship managers, products partners, clients and where necessary shape structured credit proposals in order to maintain an acceptable balance of risk and reward.
- You'll monitor and control credit exposures to identify increases to the risk profile, communicating with senior Risk colleagues and sanctioners as well as other interested parties as appropriate, and to maintain compliance with LBG policy and regulatory policy.
- You'll maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting. You'll assess proposed transactions against Group Policy and oversight the deal origination team in the same respect.
- We provide an encouraging learning environment, with an emphasis on teamwork and personal development. You'll work in a high profile and demanding environment committed to delivering core positive group values, motivating others to embrace innovation and simplify ways of working across teams.

About You...
- You have existing credit risk management experience in the infrastructure and project finance sectors (including renewables), with an in-depth technical understanding of these sectors - we focus primarily UK and US so familiarity with these jurisdictions is helpful.
- You'll have well-developed communication and influencing skills and are happy to challenge the status quo whilst being comfortable making and explaining your recommendations.
- You're also able to balance conflicting demands whilst delivering to tight timescales. as well an ability to quickly learn and adapt to new challenges.
- You can demonstrate sound judgement, strong decision-making skills, good attention to detail, the ability to collaborate, and a passion for the asset classes which we cover.

Does this sound like you?

If so, and you want to be part of a growing specialised credit risk management team supporting an important and sophisticated asset class, then please get in touch, we'd love to hear from you In return for bringing us your experience, passion and engagement, we're offering a strong platform to fulfil your career potential.

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.

What you’d get in return

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

- A generous salary (dependent upon location)
- A performance share award
- A generous pension contribution
- Share schemes
- 30 days holiday plus bank holidays
- Private health cover

In return for your expertise, you'll enjoy our total dedication to your ongoing personal and professional development. We'll help you perform at your best today, so you can fulfil all your potential in the future.

We're committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit.

This is a once in a career opportunity to help shape your future as well as ours. Join us and grow with purpose

Together we make it possible

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and



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