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Lloyds Banking Group
- London
- Lloyds Banking Group - London
Through our brands, our Group has a relationship with just about every household and community in the UK. We underpin the lives of millions of individuals and businesses, and play a key role in helping to build a growing UK economy. There couldn’t be a better time to join us, as we work to become the best bank for customers and to build an exciting future for our people.
Global Corporates Credit is a core facet within Commercial Banking Risk, providing robust and dynamic credit assessment and working closely with colleagues across Global Corporates & Capital Markets and their Product Partners.
A vacancy has arisen for a Credit Analyst, to join the busy Infrastructure & Energy (including Renewables) team.
Core responsibilities include:
– Conducting independent credit assessments of financing proposals and preparing reports for presentation to sanctioning officials to enable informed decisions to be made; this involves in-depth due diligence including analysis of Commercial, Technical & Financial reports, company prepared information, financial statements, as well as other relevant information including financial models, and identifying key strengths and risks. Submissions include new to bank business, refinancing and annual credit reviews.
– Undertaking research using business press, credit rating and information agencies, to ensure assessments have an external dimension, and applying judgement to ensure relevant material information is included when evaluating the strengths and weaknesses of a lending proposal. This will also include sensitivity analysis and use of the bank’s modelling systems.
– Liaising with origination colleagues, relationship managers, product partners and clients where necessary to shape credit proposals in order to maintain a balance of risk and reward to the bank, and also to identify viable new business opportunities.
– Monitoring and control of credit exposures, to identify situations which may increase risk to the bank, communicating with Senior Managers and other interested parties as appropriate, as well as compliance with LBG policy and regulatory policy.
You’ll need have significant relevant experience, preferably within Infrastructure & Energy / Structured Finance and be competent in interpreting and building financial models. You’ll be focused and will want to develop strong objective and independent credit skills within a core sector for LBG.
The Global Corporates Credit team provides an encouraging learning environment, with an emphasis on teamwork and personal development. It is also actively embraces diversity and offers opportunities to move within sector teams. You will be working in a high profile and demanding environment committed to delivering core group values.
In addition to the salary range quoted, this role offers a discretionary performance-related bonus, car allowance, private health cover, share schemes and a generous pension contribution along with the option to choose an additional cash lump sum or pick from a wide range of industry leading benefits.
In return for your expertise, you’ll enjoy our total dedication to your ongoing personal and professional development. As a valued member of our team, you’ll be supported to grow and advance through excellent training and progression opportunities.
Credit Analyst – Infrastructure & Energy
10 Noble Street
Our vision of being the best bank for customers is dependent on every colleague committing to and demonstrating our core value of “putting customers first”. In joining us you’ll have a role that matters and will contribute towards the Group achieving our vision through your day-today actions being performed in line with our Codes of Responsibility and Group Policies. By individually and collectively committing to our Group values and codes, we will be able to make a difference together and help Britain prosper.
We’re also committed to employing a diverse and inclusive workforce, reflective of the customers and communities we serve – where all our colleagues can be themselves and succeed on merit.
We’re proud to have received the following industry recognition: ‘Stonewall Top Private Sector Employer’, ‘Top10 Employer for Working Families’, ‘The Times Top 50 Employer for Women’ and both ‘Gold Standard’ and “Best Workplace Adjustments Process” from the Business Disability Forum – each demonstrating our commitment to the principles of agile working and inclusion for all.
So if this sounds like a culture that you’d like to be a part of then be assured that we’ll welcome your application.