Location: London, Edinburgh and Birmingham.

Hours: Full Time

Working Pattern: Our work style is hybrid, which currently involves spending at least two days per week, or 40% of our time, at your office location.

About this opportunity

You'll work within Asset Management (AM), a team established to take on the management of the loan portfolio within Real Estate & Housing. Working with colleagues within Coverage and Structuring teams, as well as other key stakeholders such as Credit Risk and Portfolio Management, AM is a client facing team focussed on delivering high quality loan portfolio management. You'll be primarily working on Housing (Social Housing and Housebuilders) clients, taking responsibility for key aspects of risk relationship including Credit reporting, financial analysis, and supporting transactional activity.

What you'll be doing

• Provide an excellent client experience during the life of the client loan relationship.
• End-to-end delivery of Annual Credit Renewals, support for +1 requests, and other client initiated Credit requests.
• Take ownership of excess management for a portfolio of Housing clients.
• Receipt of client financial reporting, liaising with operations colleagues, and reviewing / reporting key outputs from client MI / Covenant compliance schedules. Engage clients directly on loan / risk related activity aligned with Coverage colleagues.
• Provide analysis for cases reported on Credit Watchlist and for information required for regular Credit portfolio reviews.
• Take ownership of portfolio data quality using available risk reporting
• Represent Asset Management in key internal stakeholder forums (e.g. regular engagement with Coverage, CIDT, Credit).

What we need from you

• Experience in working with Clients to meet their needs
• A strong interest in the bank's purpose driven support of the UK Housing sector
• Excellent attention to detail with strong numerical skills
• Strong Excel skills and the ability to work with financial models
• Report and presentation writing skills with strong written and verbal communication skills
• Ability to communicate effectively at all levels and across different audiences
• Ability to manage multiple priorities and work effectively in a fast-paced, team-oriented environment.

Nice to have

• Experience of preparing submissions to Credit Risk, and/or of Credit Risk processes, systems.
• Experience in managing client level risk in a Real Estate & Housing or Corporate environment.

About working for us

You'll enjoy our dedication to your ongoing personal and professional development. We'll help you perform at your best today, so you can fulfil all your potential in the future.

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative. And it's why we especially welcome applications from under-represented groups.

We're disability confident. So, if you'd like reasonable adjustments to be made to our recruitment processes, just let us know.

Benefits

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 28 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

If you're excited by the thought of becoming part of our team, get in touch. We'd love to hear from you!

Seniority level

• Associate

Employment type

• Full-time

Job function

• Finance
• Industries: Banking and Financial Services

Note: This description reflects the role and responsibilities as described by Lloyds Banking Group and is intended for candidate information only.

We’re disability confident. If you require reasonable adjustments to the recruitment process, please let us know.