Associate Director – Specialist Finance - Global Banks, Specialist Finance & Intermediaries, Institutional Coverage

JOB TITLE: Associate Director – Specialist Finance - Global Banks, Specialist Finance & Intermediaries, Institutional Coverage

LOCATION: London

HOURS: Full time

WORKING PATTERN: Hybrid, 60% (or three days) in one of our office hubs mentioned above

Institutional Coverage is an origination and coverage business operating across the UK and North America focused on serving the needs of institutional clients. The business leads with a sector and relationship focus, whilst maintaining UK regional delivery through hubs in London and Edinburgh.
An exciting opportunity has arisen for an Associate Director to join our Specialist Finance team. This role sits within the wider coverage segment of Global Banks, Specialist Finance & Intermediaries, a fast paced and deal orientated segment of the bank – which is at the forefront of Lloyds’ new growth strategy.

You'll lead a portfolio of existing Specialist Lender clients, deepening our existing product offering and relationships with these key growth names. In addition to current clients, you will have the opportunity to build your own relationships with new prospect clients in the continually growing sector, ultimately driving increased income opportunities to support our revenue growth ambitions. 
Our team manages relationships across the 4 key specialist lenders segments – Specialist Mortgage Lenders, Specialist SME Lenders, Specialist Consumer Lenders and Debt Purchasers. All 4 client segments play a differing and important part in our strategy of Helping Britain Prosper.

The role will require close collaboration with senior partners and business owners in key product areas – most specifically Securitisation, Lending / SDF, Invoice Finance, Swaps, Payments & ESG. Therefore, a collaborative nature and intrinsic interest to learn more about these areas will be a meaningful attribute for any prospective candidate.

Given the varied nature of clients across the portfolio, you'll need to be a motivated self-starter with the desire to quickly understand your new role and clients. Whilst also working collaboratively with product partners and credit, to help deliver on our strategic plan across the client base.
This is a fantastic opportunity for a driven and hardworking colleague to join a fast growing, and diverse client facing team.

Key skills

• Client Relationship Management - Lead your own portfolio of clients and originate new client relationships for the bank. Ultimately supporting the overall Specialist Finance portfolio strategy to optimise income generation and business objectives, in particular balancing income and risk.

• Building the business - Create/develop and originate business leads to maximise opportunities and growth for the Group.

• Regulatory – Understand the regulatory framework/requirements within which the business operates (FCA and wider regulatory framework including EU and international, as well as Legal framework).

• Market Knowledge – Awareness of wider business, economic, political and market environment (domestic and international) in LBG and wider financial services industry.

• Stakeholder Management - Promote the team franchise with internal and external partners, collaborating closely with product and credit to maximise impact and opportunities.

• Product Knowledge - Knowledge of the key product suite that Lloyds can offer both from Lloyds Bank and Lloyds Bank Corporate Markets, relevant for our client base. It is important to have experience of Financial & Capital Markets (particularly Securitisation), Structured Lending and Transaction Banking products.

• Teamwork & Influence – Strong teamwork skills, willing and able to take the broader view for the benefit of CIB and the wider franchise, using influence to achieve efficient outcomes for the team and our clients.

• Communication & Cultural Awareness – Ability to communicate effectively at all levels and across different audiences and cultural environments. Experience of communicating complex structures and to senior committees preferable.

• Risk Management - Ability to identify, assess, supervise, control, mitigate and articulate key risks for clients and within transaction structures. Experience of writing detailed credit papers is beneficial given the structures and clients within the portfolio.

• Continuous Improvement - Support the client interface on behalf of the Group to ensure operational improvement and that enquiries and issues are satisfactorily resolved.

• Financial analysis and controls – Ability to interpret financial information, identify key drivers of performance on both a quantitative and qualitative basis. Identify possible structural protections/requirements such as covenants that function as early warning indicators for deteriorating client performance.

• Business strategy and model – Awareness and application of sector strategy appropriate to the role. Understanding of the sector team strategy and its relevance to LBG.

• Develop talent - Help recruit, lead, empower, develop and appraise team members as needed to meet the needs of the business.

About working for us

Our ambition is to be the leading 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

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We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%

• An annual bonus award, subject to Group performance

• Share schemes including free shares

• Benefits you can adapt to your lifestyle, such as discounted shopping

• 30 days’ holiday, with bank holidays on top

Want to do amazing work, that’s interesting and makes a difference to millions of people? Join our journey!