This is an exciting opportunity to join the Lloyds Banking Group team as a Credit Officer to play a central role in supporting customers and business deliver their growth objectives sustainably and with a clear focus on risk. You will be operating at the forefront of the energy transition working on a range of high profile, transactions and portfolios with complex financial arrangements for customers within the Energy & Commodities sector. Due to the nature of the client portfolio the role requires frequent engagement with senior stakeholders.

What you'll be doing...

• Manage a portfolio of counterparties in the Energy & Commodities space covering energy transition technologies, upstream and downstream energy companies, service companies, and commodity traders.
• Undertake independent credit assessments of lending proposals for presentation to sanctioners. This involves identifying, analysing, and succinctly articulating the key risks (financial, structural, operational, environmental), enabling informed decisions to be made. Submissions include new to bank business, increased lending, and annual credit reviews in the energy and commodities space for the Bank's core corporate relationships.
• Undertake research using business press, credit rating and information agencies, to ensure assessments have an external dimension, and apply judgement to ensure relevant material is included when evaluating the strengths and weaknesses of a lending proposal.
• Collaborate closely with originators, relationship managers, product partners and clients where necessary to shape credit proposals in order to maintain a balance of risk and reward and also to identify viable new business opportunities.
• Monitor and control credit exposures, to identify situations which may increase risk to LBG, communicating with Senior Managers and other interested parties as appropriate, as well as compliance with LBG policy and regulatory policy.
• Assist with the production of periodic sector reviews.
• You'll work in a high profile, professional and demanding environment committed to delivering core positive group values.
• Taking advantage of the opportunity to widen your credit experience to other areas including Leverage Finance and Infrastructure & Project Finance.

Most of our colleagues are based in London however we'll consider other locations.

Here's what we're looking for...

• You will have knowledge and significant experience of the Energy & Commodities sector
• Evidence of relevant credit experience with a proven track record of consistent performance
• Strong knowledge of the regulatory and compliance requirements, including ESG assessments
• Demonstrable high levels of attention to detail, numeracy and accuracy
• Familiarity and ability to deal with complex financial models (strong Excel skills are required)
• Ability to establish relationships
• Ability to communicate effectively at all levels and across different audiences
• Report writing skills with strong written and verbal communication skills

Want to hear more?

You'll be offered a competitive package which includes...

• salary - dependent upon location and experience
• bonus,
• a generous pension contribution and
• Flex cash to spend on a host of benefits to suit your lifestyle.

We're dedicated to giving you opportunities and support to develop you both professionally and personally to optimise your potential.

As a new colleague, you'll join us on our journey to build a 21st century bank that reflects modern Britain, and craft an inclusive culture where all colleagues feel welcomed and valued.

We're committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit. We support the principles of agile working and are happy to consider flexible working arrangements. We're an equal opportunity employer and deeply value diversity within our organisation.

Together we make it possible!