Credit Officer - Infrastructure & Project Finance

End Date

Wednesday 29 April 2026

Salary Range

£0 - £0

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Job Description Summary

JOB TITLE: Credit Officer - Infrastructure & Project Finance

HOURS: Full time

LOCATION: London

WORKING PATTERN: Hybrid, 40% (or two days) in an office location mentioned above

Job Description

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. 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.
• 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.
• 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.
• 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.
• 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.

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. We focus primarily UK and US so familiarity with these jurisdictions is helpful.
• Well-developed communication and influencing skills and are happy to challenge the status quo whilst being comfortable making and explaining your recommendations.
• Ability to balance conflicting demands whilst delivering to tight timescales.
• Ability to quickly learn and adapt to new challenges.
• 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.

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. So if you\’d like reasonable adjustments to be made to our recruitment processes, just let us know.

We also offer a wide-ranging benefits package, which includes:

• 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

Want to do amazing work, that’s interesting and makes a difference to millions of people? Join our journey!

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.

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