Credit Officer – Infrastructure & Project Finance

Lloyds Banking Group

Credit Officer responsible for independent credit analysis supporting UK infrastructure and renewable energy sectors. Joining a core team in the Chief Credit Office focused on risk assessment and decision making.

Posted 6/10/2026full-timeLondon • 🇬🇧 United KingdomMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

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.
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.

Requirements

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.
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.

Benefits

Comp & perks

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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Hard Skills & Tools

credit assessmentstechnical due diligencemarket due diligencesensitivity analysiscash flow modelsdata qualitystatutory reporting

Soft Skills

communication skillsinfluencing skillsdecision-making skillsattention to detailcollaborationsound judgementability to balance conflicting demandsadaptability