Asset Management Associate Director – Transaction Banking Product
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Job Title: Asset Management Associate Director – Transaction Banking Product
Salary: Competitive package
Location: London
Hours: Full-time
Working Pattern: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at a Lloyds office site.
We’re recruiting an Associate Director to join the newly-formed Asset Management team, a great opportunity to play a role, be responsible for managing the client experience for the product, including in‑life events, post‑fulfilment activities, annual reviews, waivers/amendments, and credit stewardship. You will ensure alignment to core regulatory requirements, compliance with policies and deliver excellent customer outcomes.
You will work collaboratively with a high energy team of product specialists and key partners across the bank to manage risk, unlock growth while championing a culture of diversity, customer‑centric innovation, and new ways of working that support our purpose – Helping Britain Prosper.
Transaction Bank Product knowledge with practical experience of Trade products (Invoice Finance, Asset‑based lending (ABL)) and Commercial Banking is a minimum requirement. Full training will be provided.
Roles and Responsibilities
- Supporting the monitoring and ongoing management of portfolio risks, including regular collateral valuation, management, and definition/tracking of key performance metrics.
- Collaborating with a wide range of internal and external stakeholders across clients, coverage, and risk to deliver superior outcomes for customers, simplifying the Asset Finance governance journey.
- Managing a complex portfolio of assets, ensuring credit quality and timely internal reporting of performance and risk, including preparation of management information and presentations.
- Monitoring financial covenants, adviser reports and market developments to assess ongoing credit quality and market trends.
- Preparing and submitting annual reviews, completing product papers and credit applications with Coverage, aligned to defined strategy, and engaging with Product, Delivery, Lending Execution and Risk teams as required.
What You’ll Need
- Understanding and prior knowledge of transaction banking products and portfolio risk management.
- Excellent analytical, problem‑solving, communication and interpersonal skills – experience in financial assessment, credit analysis or asset management.
- Strong organisational skills and ability to manage competing priorities, plus knowledge of collateral types and deal structures.
- Awareness of market trends, opportunities and threats, and how they impact customers and the bank’s risk management and product frameworks.
- Experience managing multiple stakeholders in a large banking or financial services institution.
- Proficiency with Microsoft Office and strong report‑writing abilities.
- Ability to analyse complex information, identify risks and spot opportunities.
About Us
If you think all banks are the same, you’re wrong. We’re an innovative, fast‑changing business shaping finance as a force for good, empowering people to innovate, explore possibilities and grow with purpose.
About Working for Us
We are committed to diversity, equity and inclusion. We offer a flexible workplace, reasonable adjustments for disabilities, and an inclusive culture where everyone can thrive, learn and develop. We are a Disability Confident Leader and guarantee fair interviews for candidates who meet the minimum criteria.
Benefits
- 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
If you’re excited by the thought of becoming part of our team, get in touch. We’d love to hear from you!
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