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Job Description Summary

Job Description

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.

Within this team we have created a new role for a Senior Credit Officer (director level equivalent) to facilitate the continued growth and expansion of the franchise.

I&PF Credit is a key facet within Corporate & Institutional Coverage Credit. 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.

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. The successful candidate may also be required to support work in Acquisition Finance Credit which specialises in the credit analysis and sanction of facilities provided to Private Equity owned businesses.

Our aim is to be a best-in-class credit function supporting a market-leading franchise and supporting new growth opportunities outside the UK.

This is an exciting opportunity to join a growing team. You will 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 three Senior Credit Officers leading and line managing a team of credit professionals who specialise in Infrastructure and Project Finance. Together, you will be responsible for their personal and technical development.
• 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. Identify viable new business opportunities in the context of LBG credit risk appetite.
• 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 will 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 (and ideally sanctioning experience) in the infrastructure and project finance sectors (including renewables), with an in-depth technical understanding of these sectors. Experience in Acquisition Finance (Leveraged Finance) Credit is also desirable. 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, 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.

• Discretionary bonus and share plans
• Private Medical Insurance
• Pension, where we'll give up to a max of 13%
• 30 days leave plus bank holidays
• A flexible cash pot (4% of base salary) to spend on benefits

We’re committed to building a workforce which reflects the diversity of the customers and communities we serve. Join us and be part of an inclusive, values-based culture focused on making a difference.

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.