Associate - CRE Loan Servicing, CIB Portfolio Management

As an Associate, you'll support a portfolio of long-dated commercial real estate lending under a servicing contract with Scottish Widows. Working closely with the Lender, Coverage, Execution and Credit Risk teams, as well as external advisers, you'll help maintain strong portfolio performance, manage risk and deliver clear, accurate reporting. You'll build relationships with a diverse client base, from private businesses and family offices through to FTSE 250 listed companies. Supporting key lifecycle events, you'll help manage consent requests, waivers, amendments and annual reviews. Alongside this, you'll contribute to credit paper preparation, financial analysis, monitor emerging risks, and work with internal teams and external advisers to support smooth deal delivery. You'll also engage directly with clients on loan and risk-related matters, while using your analytical skills to enhance portfolio insight., 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.

• Two years' demonstrated credit experience including financial analysis and credit risk assessment within Corporate Banking
• Experience preparing or contributing to credit papers and familiarity with LMA documentation
• Experience supporting complex loan lifecycle events (e.g. waivers, amendments, renewals)
• Strong analytical skills, including advanced Excel and financial modelling capability
• Confident communicator with the ability to engage effectively with clients and senior stakeholders
• Proven track record of balancing multiple priorities to deliver high quality service in a fast-paced, collaborative environment
And any experience of these would be great:
• Coming from a corporate real estate background with existing market experience
  
  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. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. 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.

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
• 28 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies
Like what you hear? Join us!