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
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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.
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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.
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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 policy and regulatory policy.
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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.
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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
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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.
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Well-developed communication and influencing skills and are happy to challenge the status quo whilst being comfortable making and explaining your recommendations.
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Ability to balance conflicting demands whilst delivering to tight timescales.
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Ability to quickly learn and adapt to new challenges.
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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.
