Real Estate and Housing Credit Strategy Manager

1 week ago

London, Greater London, United Kingdom Lloyds Banking Group Full time

About this opportunity



The Head of Real Estate and Housing Credit is a key leadership role responsible for the second-line credit team. Managing the Group's commercial and residential real estate, social housing, house builders, and hotels credit function; covering both corporate clients and SMEs, with accountability to the Director responsible for the Group's business and commercial banking credit function, also working directly with the Director of the Corporate and Institutional Banking credit function.

You'll be responsible for implementing and maintaining the credit risk strategy for the real estate & housing businesses. Conducting oversight and providing assurance of one line of defense activities that ensure the effectiveness of LBG's Credit Risk controls whilst also acting as a senior sanctioner for significant transactions. Against a backdrop of economic uncertainty, the role will deliver sector and product-specific credit areas of expertise to support Group and customer requirements.



Key Accountabilities


  2. Portfolio Management: Credit Partner for a custom portfolio in the corporate real estate and housing sector, where the bank manages real estate, house builders, hotel, and social housing clients including SMEs to FTSE 100 companies, with facilities exceeding £30bn.
  3. Financial Analysis: Analyzes and rates complex financial accounts and transactions for UK-focused assets with UK and multinational investors.
  4. Technical Insight: Provides detailed technical support for transaction diligence and structuring, including valuation reports, development monitoring, and legal documentation.
  5. Risk Management: Identifies and owns credit risks, seeking to improve mitigations or de-risk, and oversees the Risk Management and Control Framework.
  6. Data Utilization: Uses internal and external data sources to generate insights and improve decision-making.
  7. Policy Shaping: Shapes policy and appetite through sector expertise, supporting the Group's strategic objectives.
  8. Change Management: Leads change management and continuous improvement initiatives, generating market and data insights.
  9. Regulatory Representation: Produces critical regulatory data and represents the Bank at regulatory meetings.
  10. Deputise, as required, for the CIB Corporate Credit Director and/or BCB Credit Director.


What we're looking for


  • Real estate debt transaction expertise, whether in a coverage/credit or restructuring environment.
  • Leadership experience managing highly effective team performance.
  • Excellent stakeholder management including experience engaging at executive level in an organization.


Benefits


  2. A generous pension contribution of up to 15%.
  3. An annual bonus award, subject to Group performance.
  4. Share schemes including free shares.
  5. Benefits you can adapt to your lifestyle, such as discounted shopping.
  6. 30 days' holiday, with bank holidays on top.
  7. A range of wellbeing initiatives and generous parental leave policies.


We keep your data safe. 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.

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