Senior Credit Officer (Director) - Infrastructure & Project Finance in London - Lloyds Banking Group

Job Overview

London, England
Job Type
Full Time
Date Posted
9 days ago

Additional Details

Job ID
Job Views

Job Description

Senior Credit Officer (Director) - Infrastructure & Project Finance We support agile working Click here for more information on agile working options.
Agile Working Options Other Agile Working Arrangements / Open to Discussion
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.
Within this team a vacancy has arisen for a Senior Credit Officer (director level equivalent) to facilitate the ongoing management and continued growth of the franchise.
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.
This is an exciting opportunity to join a growing team, whose aim is to be a best-in-class credit function supporting a market-leading franchise. You'll play a central role in delivering the Group’s Sustainability and Helping Britain Prosper agendas, by applying your structured finance experience in support of UK infrastructure and in the transition towards renewable energy, with a clear focus on risk. This is a key senior management role that comes with a delegated lending discretion and line management responsibility.
What you'll be doing...
Be one of four Senior Credit Officers leading and line managing a team of credit professionals who specialise in Infrastructure and Project Finance. Together, you'll be responsible for their personal and technical development.
Liaise with asset managers, originators, relationship managers, products partners, clients and where necessary shape structured credit proposals in order to maintain an acceptable balance of risk and reward.
Oversee and support the team in conducting 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.
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.
Guide and support the team in undertaking customer, sector and market research to ensure assessments have an external dimension. Apply sound judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal. This includes sensitivity analysis of internal/external cash flow models.
Lead on the production of periodic sector and policy reviews.
Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting. Assess proposed transactions against Group Policy and supervise 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 (including sanctioning experience) in the infrastructure and project finance sectors (including renewables), with an in-depth technical understanding of these sectors. 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'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, good line management skills, 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.
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.
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
A range of wellbeing initiatives and generous parental leave policies
Our focus is to ensure we're 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 it’s why we especially welcome applications from under-represented groups. We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know
If you’re excited by the thought of becoming part of our team, get in touch. We’d love to hear from you.
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 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.


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