Credit Officer - Infrastructure & Project Finance London, England
Lloyds Banking Group
Full Time
London, England
45302 - 65000 GBP ANNUAL Today
Job description
End Date
Sunday 24 September 2023
Salary Range
£0 - £0Agile Working Options
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.
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.
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 undertake customer, sector and market research to ensure assessments have an external dimension and seek to 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.
- 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.
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.
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.
We're an equal opportunity employer and deeply value diversity within our organisation. We’ll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process and to perform in their role.
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 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 keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
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.
