Credit Officer – Infrastructure & Project Finance
HOURS: Full time | LOCATION: London | WORKING PATTERN: Hybrid, 40% (or two days) in an office location mentioned above
About this opportunity
The Infrastructure & Project Finance Credit team are recruiting for an exciting and challenging role of Credit Officer. We’re a core facet within the Chief Credit Office and play a central role in delivering the Group’s Sustainability and Helping Britain Prosper agendas, by providing structured financing in support of UK infrastructure and in the transition towards renewable energy. We’re 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 and Digital Infrastructure, and Energy Transition Technology. Our aim is to be an outstanding credit function, supporting a market‑leading franchise and supporting new growth opportunities outside the UK. This is an incredible opportunity for you to join a growing team where you’ll play a central role in delivering our 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.
What you’ll be doing
- Conduct independent credit assessments for presentation to sanctioning officials to enable informed decisions to be made, based on analysis of company prepared information, extensive technical and market due diligence, and key strengths and risks.
- Prepare submissions for new to bank business, increased lending, variations from existing terms, restructures and annual credit reviews.
- Liaise with originators, relationship managers, products partners, clients and where necessary shape structured credit proposals to maintain an acceptable balance of risk and reward.
- Monitor and control credit exposures to identify increases to the risk profile, communicating with senior Risk colleagues and sanctioners and maintaining compliance with LBG policy and regulatory policy.
- Undertake customer, sector and market research to ensure assessments have an external dimension and apply sound judgement to evaluate strengths and weaknesses of lending proposals, including sensitivity analysis of internal/external cash flow models.
- Maintain records to satisfy internal and external requirements, particularly relating to data quality and statutory reporting.
- Assess proposed transactions against Group Policy and oversee the deal origination team in the same respect.
What you’ll need
- Existing credit risk management experience in the infrastructure and project finance sectors (including renewables), with an in‑depth technical understanding of these sectors, primarily UK and US.
- Well‑developed communication and influencing skills, able to challenge the status quo while making and explaining recommendations.
- Ability to balance conflicting demands whilst delivering to tight timescales.
- Ability to learn quickly and adapt to new challenges.
- Demonstrate sound judgement, strong decision‑making skills, good attention to detail, collaboration ability, and passion for the asset classes we cover.
About working for us
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, and we offer reasonable adjustments to support applicants’ needs.
Benefits
- A generous pension contribution of up to 15%
- An annual bonus award, subject to Group performance
- Share schemes including free shares
- Benefits you can adapt to your lifestyle, such as discounted shopping
- 30 days’ holiday, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
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