Associate Director - Portfolio Management

Our Portfolio Management team exists to build and manage the portfolio of the Commercial & Institutional Bank (CIB). This involves management of CIB products, growing our business through coordinated client propositions whilst improving client insight, digitisation, and innovation.

We ensure the efficient allocation of scarce resources (capital and liquidity) to enable the delivery of the CIB strategy. Our team s area of focus is delivering credit risk mitigation using a range of tools, maximising limits available and enabling additional business to be written.

This role is an outstanding opportunity to work with the Director on active portfolio management initiatives. These initiatives span the full CIB product suite, focusing on optimising the portfolio in terms recycling bank limits.

This role will enable you to:

• Become a key part of the Portfolio Management team, working to manage and improve our credit risk mitigation tools on behalf of the Commercial Bank


• Further exposure/upskill specifically in the use of Credit Risk Insurance and Credit Default Swaps


• Work with colleagues across Coverage, Product, Credit, Finance and Treasury to deploy credit risk mitigation tools to enable deepening of relationships with clients while reducing the bank s risk and capital


• Analyse data from across multiple sources to find opportunities to deploy active portfolio management solutions, showing what impact this would have from a limit, risk and capital perspective


• Actively maintain relationships with both internal partners and external network, to provide opportunities for growth


• Develop CIB's understanding of active portfolio management options, helping to bring these solutions to the forefront of credit and pricing conversations
  
  Awareness of the Capital Requirements Regulation (CRR)


• Some exposure/experience with credit risk mitigation tools


• Great communication skills (written and oral) with the ability to explain complicated concepts concisely and fully to less familiar audiences


• An analytical mind / approach to work; able to analyse key themes using a wide range of datasets to help understand impacts on the business


• Strong relationship management skills are required to build and maintain positive links with internal and external groups


• Ability to develop innovative solutions by integrating and analysing sophisticated and diverse information sources


• A good grasp of our products and services will be beneficial
  
  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.

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 want our people to feel that they belong and can be their best, regardless of background, identity or culture.

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.

And it s why we especially welcome applications from under-represented groups. We re disability confident. So if you d like reasonable adjustments to be made to our recruitment processes, just let us know.

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