If Statement Inside Html

I am trying to use an IF statement if variable $credit is not empty. However, I get a parse error. Could anyone please help with my syntax?

 $credit = get_field('fl_credit', $image['id']);
   return '<div class="kalim"><img title="' .
      esc_attr( sprintf( the_title_attribute( 'echo=0' ) ) ) . 
     '" alt="' . esc_attr( sprintf( the_title_attribute( 'echo=0' ) ) ) .
     '" src="' . $image['url'] . '" /><div class="kalca">' . 
     $image['caption'] . '</div>' . 
     if($credit) {'<div class="kalcr">Credit:' . $credit . '</div></div>' };