Associate Director - Core Origination & Structuring - Real Estate

This is an exciting opportunity to join our newly established Core Origination & Structuring team and help shape our approach to the UK commercial real estate market. You'll work closely with the Director and Associate, building client relationships, supporting sustainable growth and delivering tailored financing solutions. You'll help grow our commercial real estate business by working with Relationship Directors to identify opportunities, build prospect pipelines and win new business. You'll develop strong relationships with senior clients and use your credit and structuring expertise to create financing solutions that meet client needs while balancing risk and return. You'll support transactions from initial opportunity through to completion. This will include financial analysis, structuring, due diligence and negotiating commercial terms. You'll help ensure high standards across credit, pricing, documentation, governance and risk management. Collaboration will be key. You'll work with colleagues across Coverage, Specialist Origination & Structuring, Asset Management, Capital Markets and product teams to bring together the right expertise for clients. You'll also help clients progress their environmental, social and governance (ESG) and Net Zero ambitions. As part of a new team, you'll have the opportunity to influence how we work, contribute to our strategic direction and support colleagues to develop and succeed., 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.

• 3+ years' experience in the UK Real Estate sector, including developer, investor and living-sector markets, with knowledge of market trends, credit risk, debt structuring, legislation and government influence.
• Good credit assessment and debt structuring experience, developing commercial financing solutions that balance risk, return and client outcomes.
• Strong communication, collaboration and client relationship skills, with experience influencing stakeholders across teams.
And any experience of these would be great:
• Experience in Corporate and Institutional Banking or a comparable financial services environment
• Knowledge of the Markets in Financial Instruments Directive (MiFID), Financial Promotions and Financial Conduct Authority (FCA) requirements
  
  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
• 30 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies
Join us and grow with purpose! This role is considered Certified under the Senior Manager and Certification Regime as either requiring mandatory qualifications or being deemed as a role capable of providing 'significant harm' to customers. Due to this, successful candidates will be subject to enhanced levels of vetting, and required to complete a fitness and propriety attestation on commencement in role. Colleagues performing this role will be required to be complete a fitness and propriety attestation on an annual basis and will also be subject to additional routine criminal and credit checks As a certified colleague your details will be published on the FCA's Financial Services Register This role has been identified as a Client-dealing function under SYSC 27.8.18R as defined in the FCA Handbook The Person ("P") performs the client-dealing FCA certification function for a firm if:(1) P is carrying out any of the activities in the table in SYSC 27.8.19R; and(2) those activities will involve P dealing with:(a) a person with or for whom those activities are carried out; or(b) the property of any such person;in a manner substantially connected with the carrying on of regulated activities by the firm. If you manage certified colleagues this role will be identified as Manager of certification employees under SYSC 27.8.13R as defined in the FCA Handbook(1) The function of managing or supervising a certification employee, directly or indirectly, is an FCA-specified significant-harm function.(2) A function in (1) is not an FCA certification function for that firm if it is performed by an SMF manager of that firm.