Vice President, Infrastructure & Project Finance Credit Officer

Overview

Vice President, Infrastructure & Project Finance Credit Officer

New York, NY | Competitive Annual Salary ( $180,000 - $210,000)

About the role

Lloyds Banking Group is a leading global project finance bank - the top Project Finance bank in the UK since 2018 and has been growing steadily in the US since 2022. Infrastructure & Project Finance Credit (“I&PF Credit”) is the credit risk team which supports this business area. We are the 2nd line of defense and a key facet within Corporate Institutional Banking Credit.

The team is responsible for the independent credit analysis of facilities provided to counter parties involved in the infrastructure and project finance sectors. Our main asset classes are Renewables, PFI/PPP, together with Economic and Digital Infrastructure. Our aim is to be a best-in-class credit function supporting a market‑leading franchise and support new growth opportunities.

For many years Lloyds has had a significant NY presence and has ambitions to grow that presence substantially in the coming 3‑4 years. Presently, the office includes a small first line Infrastructure & Project Finance team, alongside teams responsible for Investment Grade Corporate Coverage and Financial Institutions Coverage. In line with growth plans for I&PF activity, we are expanding the I&PF Credit team through the addition of a Vice‑President (Credit Officer) role in our NY office.

The successful candidate will work closely with the Credit team in both the New York and London offices, as well as with first line/origination colleagues. The new role will facilitate the ongoing management of the existing portfolio as well as the continued growth of the franchise.

What you’ll be doing

• Reporting to the US Head of I&PF Credit, you will be one of 5 Credit Officers who specialise in Infrastructure and Project Finance.
• You will liaise with asset managers, originators, relationship managers, products partners, clients and, where necessary, shape structured credit proposals in order to maintain an acceptable balance of risk and reward.
• Oversee and support the team in conducting independent credit assessments for presentation to approvers based in New York and London 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 approvers as well as other interested parties as appropriate, and to maintain compliance with Lloyds policy and regulatory requirements.
• 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.

What you’ll bring

• 5-10 years of experience desired in a relevant field or in similar financial institution
• Degree in relevant field from recognized university or equivalent
• Professional certifications relevant to the role are a plus
• You have existing credit risk management in the US infrastructure and project finance sector (including renewables), with an in‑depth technical understanding of these sectors.
• You’ll have well-developed communication and influencing skills and…