Vice President, Credit Officer-Fund Finance

Lloyds Banking Group; New York; Hybrid; USD 150,000 - 215,000; Full time

Benefits offered by this job

Health coverage

401(k) match

Life insurance

Disability coverage

Wellness programs

Training & mentoring

Job summary

Lloyds Bank is seeking a Credit Officer in North America to manage a portfolio of Financial Sponsors clients from New York. You will prepare credit submissions for annual reviews and lead new business transactions, presenting them to sanctioning officials for approval.

You will also lead due diligence calls, shape deal structures, and coordinate across teams to drive effective credit risk management and growth in related lending products.

Qualifications

• Experience in Fund Finance credit risk management (1st or 2nd line)
• Ability to analyse credit risk and shape deal structures
• Knowledge of derivatives (FX) and lending products and related docs
• Strong organisation and time-management to handle multiple requests

Responsibilities

• Manage credit quality of Financial Sponsors portfolio and provide lending facilities
• Lead due diligence calls and shape deal structures
• Prepare credit submissions for annual reviews and new transactions
• Coordinate with stakeholders to ensure timely approvals and outcomes

Skills

Fund Finance

Credit risk analysis

FX derivatives

Stakeholder management

Education

Bachelor's Degree in Finance or related field

Job description

Overview

About the role

An exciting Credit Officer opportunity has arisen to join the Financial Sponsors North America Credit team, which forms part of the broader Financial Institutions(“FI”) Credit Risk team.

The opportunity

As part of this role you'll manage a portfolio of counterparties, prepare credit submissions for annual reviews & lead new business transactions for our Financial Sponsors clients and present these submissions to sanctioning officials for approval. You will also lead credit due diligence calls with clients and shape deal structures.

Responsibilities

What you’ll be doing

• Managing the credit quality of our Financial Sponsors portfolio, while supporting the provision of Fund Finance facilities to Top Tier Private Equity, Secondaries and Private Debt Managers.
• Contributing to disciplined growth in other lending product offerings such as LP-backed subscription facilities, gearing, liquidity and GP support facilities.
• Helping provide oversight on our FX book to support Business in providing hedging solutions to our clients.
• Leading client due diligence meetings and helping shape deal structures.
• Contribution to various ad hoc projects and the broader FI Credit process efficiency drive.

Qualifications

What you’ll bring

• 4+ years of experience in Fund Finance credit risk management (either through 1st line or 2nd line of defence) is a strong preference.
• Strong credit experience, demonstrating the ability to analyse credit risk, shape and challenge deal structures.
• An understanding of derivative products (particularly FX) and lending products, as well as the associated legal documentation, would be useful.
• Exceptional organisation skills with the ability to juggle multiple requests, prioritise workloads, meet deadlines, as well as having the confidence to flag when you might need help.
• Ability to work as a team player in a dynamic and fast‑paced work environment, including ability to coordinate multiple work streams and deliver against tight timelines.
• Ability to seek out, build and maintain trusting relationships and partnerships with stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.

• Strong collaboration and communication skills, including the ability to align cross‑functional stakeholders and clearly Bachelor's Degree in Finance or related field
• Experience in the Financial Services industry, specifically within Banking

• Comprehensive knowledge of banking and its related products, relevant regulations and lending and credit approval processes
• Knowledge of the Financial sponsors sector, including trends, horizon risks and regulation

• Familiarity with and willingness to implement AI tools. communicate complex concepts to senior audiences.

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: $150,000-$215,000

Professional Certifications / Licenses Required: No