Job Description

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 counterparties 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 are happy to challenge the status quo whilst being comfortable making and explaining your decisions.
• You're also able to balance conflicting demands whilst delivering to tight timescales. as well an ability to quickly learn and adapt to new challenges
• You can demonstrate sound judgement, strong decision-making skills, good attention to detail, the ability to collaborate, good line management skills, and a passion for the asset classes which we cover.

Why Lloyds

Lloyds North America forms an integral part of Lloyds Banking Group, a leading UK‑based financial services group focused primarily on retail and commercial customer. We have operated in North America for over 100 years, delivering a client‑focused approach to large Corporate and Institutional clients with strong links to the UK.

From our New York office, we provide a comprehensive range of core banking products, including lending, trade finance, and working capital solutions, alongside debt capital and financial markets services through our U.S. broker‑dealer, Lloyds Securities Inc.

Our commitment to inclusion

At Lloyds, diversity and inclusion are core to who we are. We are committed to attracting, retaining, and developing the best talent and creating a culture where every colleague feels included, valued, and empowered to be their best.

Lloyds values diversity across all backgrounds and experiences and encourages our colleagues to bring their whole self to work. We provide equal employment opportunities to all applicants and employees in accordance with applicable law.

Reasonable Accommodations for Qualified Individuals with Disabilities During the Application ProcessLloyds North America is committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you have a disability and require a reasonable accommodation in order to participate in the application process, our scheduling team can assist if you are selected to interview.

Our benefits

• We also offer a wide‑ranging benefits package, which includes:
• Comprehensive health coverage with multiple medical plan options, including an HSA‑eligible plan with company contributions, plus dental, vision, and 24/7 virtual care
• Strong financial benefits including a 401(k) with company match and discretionary contribution, company‑paid life insurance, and short‑ and long‑term disability coverage
• Family and life support such as paid family leave, backup child and elder care, employee assistance programs, and identity theft protection
• Wellness and lifestyle benefits including fitness programs, gym reimbursement options, pet insurance, and group legal services
• Ongoing training, development, mentoring, and networking opportunities
• Opportunities to give back through volunteering and fundraising initiatives

This is a once in a career opportunity to help shape your future as well as ours. Join us and grow with purpose.

Annual Salary Range: $180,000 - $210,000