Associate Director

Job Title: Associate Director - Specialist Finance -Institutional Coverage Location: London Hours : Full time Working Pattern : Our work style is hybrid, which involves spending at least three days per week, or 60% of your time, at our office or with clients. About This Opportunity: Institutional Coverage operates across the UK and North America to serve institutional clients through a sector led, relationship driven model with regional hubs in London and Edinburgh. You'll join our Global Banks, Specialist Finance & Intermediaries coverage segment, a fast paced, deal orientated team at the forefront of the Group's growth strategy. As an Associate Director you'll lead a portfolio of specialist lender clients, deepen product penetration, and build new relationships across a vibrant and growing market. You'll collaborate closely with experts across Securitisation, Lending/SDF, Invoice Finance, Swaps, Payments and ESG to craft solutions that deliver for clients and the Group. What you'll be doing: Lead and grow a portfolio of specialist lender clients, deepening relationships and broadening our product reach to drive sustainable income and prudent risk Originate new relationships across Specialist Mortgage Lenders, Specialist SME Lenders, Specialist Consumer Lenders and Debt Purchasers to support portfolio growth Shape client solutions with product partners across Securitisation, Structured Lending/SDF, Invoice Finance, Swaps, Payments and ESG, ensuring smooth execution Lead the credit process end to end, drafting clear credit papers, setting appropriate covenants, and maintaining rigorous control of key risks within structures Stay close to market, regulatory and macro trends to generate insight, advise portfolio strategy, and nurture continuous improvement for clients and colleagues Promote the franchise internally and externally, building effective networks with senior stakeholders in product and credit to improve impact and opportunity Why Lloyds Banking Group: We're on an exciting journey to transform our Group and the way we're shaping finance for good. We're focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group an excellent place for everyone. Including you. What you'll need: Sharp risk and credit skills, including experience writing credit papers and designing covenant frameworks for structured transactions Strong client relationship management experience in institutional or specialist finance with a track record of originating and growing income Proven product knowledge across capital markets and transaction banking, particularly securitisation, structured lending and cash management Confident financial analysis with the ability to interpret performance drivers and propose pragmatic structural protections Collaborative approach and influencing skills to align product, credit and senior partners around the right client outcomes Self starter mentality, sound regulatory awareness, and the drive to learn quickly in a dynamic, deal led environment About working for us: Our ambition is to be the top tier UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we're committed to creating an environment in which everyone can thrive, learn and develop. 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. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need. We also offer a wide-ranging benefits package, which includes: 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 30 days' holiday, with bank holidays on top A range of wellbeing initiatives and generous parental leave policies Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more.