Associate Director, Regulatory and Risk, Asset Management

2 weeks ago


London, Greater London, United Kingdom Lloyds Bank plc Full time
Associate Director, Loan Asset Management, Portfolio Management page is loaded Associate Director, Loan Asset Management, Portfolio Management
Apply locations London Edinburgh New Uberior House Head Office London 10 Gresham Street Edinburgh time type Full time posted on Posted 7 Days Ago job requisition id End Date
0 - £0 We support flexible working – click here for more information on flexible working options
Flexible Working Options
Hybrid Working, Job Share Job Description Summary
. Associate Director, Loan Asset Management, Portfolio Management

HOURS:
Full time
Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites

The Portfolio Management Mandate is to optimise the risk/return profile of the CIB loan book whilst supporting the development and maintenance of LBG's corporate and institutional client franchise.

Our team is responsible for delivering an efficient use of financial resources (e.g. capital, liquidity, funding) to create space to do more with our clients, whilst improving value for shareholders.
Key to achieving this is our Loan Asset Management team within PM.

The team is accountable for the performance of the CIB loan book and is responsible for ensuring that we maximise returns on the capital deployed in support of the development and maintenance of LBG's Corporate and Institutional client franchise.

Our key role is to work with Coverage and Risk with respect to the deployment and subsequent management of capital provided to our clients from a risk perspective as well as a regulatory perspective.

This is an exciting opportunity to join the Loan asset management team as an Associate Director with responsibility to support the Portfolio Director for the lending portfolio of Corporate Coverage (CC) in CIB.

Support the Portfolio Director to Co-ordinate with relevant Corporate Coverage heads and their counterparts in Risk Management to create a strategic plan for the relevant portfolio.


To include:
i) Optimising the risk/return profile of the CIB loan book, whilst supporting the development and maintenance of LBG's Corporate client franchise ii) Ensuring disciplined origination of CIBs credit exposures, consistent with agreed strategy, risk appetite and return objectives. iii) Owning and managing the P&L and associated risks of the relevant lending portfolio utilising risk distribution tools including loan asset sales, CDS and CRI, as well as working with the Structured Distribution team on strategic solutions to manage portfolio issues. iv) Ensure assessment of credit risk, capital, and balance sheet usage at the point of origination.

Support the delivery the P&L and balance sheet commitments associated with the relevant portfolio, including revenue, impairment, Risk Weighted Assets, and balance sheet deployed.

Play a role in actively running the portfolio - reduce risk and/or improve returns; utilising loan asset sales, credit risk insurance and credit default swaps to reduce single name exposures and/or increase capacity for additional client business.

Work in partnership with Credit, Coverage and Product teams to enhance 1st line credit risk management, finding opportunities to deliver sustainable growth and mitigate credit and concentration risk.

We're an innovative, fast-changing business that's shaping finance as a force for good

Relationship and Customer Management:

Evidenced ability to build strong working relationships across CC and with functional partners, to grow the franchise, handle risk and respond to changes in the internal and external business environment.

You'll have excellent interpersonal skills, able to influence Coverage and Risk as well as other customers at all levels across LBG.


Commercial / Market Awareness:
You'll possess the ability to support the effective structuring and pricing of new business activity, based on a strong understanding of credit risk and the effective use of capital

Credit Risk:
Credit experience to drive increased ownership of 1st line credit risk decision-making and ongoing stewardship across within CIB.

Risk Management and Control : Demonstrable ability to identify, assess, monitor, control/mitigate credit and other key risks in with an awareness of impacts facing LBG and clients.

Regulatory Framework and requirements : Awareness and understanding of the regulatory framework in which the firm operates and the relevant regulatory requirements and expectations.

Uses clear and concise language to explain complex material, findings, or recommendations.
Excellent commercial skill with a consistent track record of successfully handling a risk portfolio.

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 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're disability confident.

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

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities.

With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve.

Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

Associate Director, Loan Asset Management, Portfolio Management

locations London time type Full time posted on Posted 7 Days Ago For over 320 years we've been making a difference to the lives of customers, businesses and communities.

With us, you'll be helping Britain prosper.

You'll be part of an ever-changing industry, playing a key role in shaping the financial services of the future whilst supporting our customers' changing needs.

For more Flexible Working Options please use the free text search, e.g. job sharing, variable hours, to identify relevant matches.
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