Job Description

End Date Thursday 09 October 2025
Salary Range 0 - 0
Flexible Working Options Hybrid Working, Job Share
Summary .

JOB TITLE: Associate CRE Origination & Structuring, Real Estate & Housing - 12 month secondment
SALARY: Competitive package available.
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 one of our office sites
About this opportunity
The Credit Real Estate (CRE) Origination & Structuring Team is a coverage business within the Real Estate & Housing business, a key part of the Client Solutions Group ("CSG"). CSG is responsible for the overall management of relationships for Corporate and Financial Institutional clients whose turnover exceeds 100m.
Lloyds is a leading provider of commercial real estate finance and the CRE Origination & Structuring team delivers efficiently structured debt solutions to domestic and international private equity, insurance, pension, sovereign wealth, family office sponsors, listed companies and private investors that are tailored to their investment objectives. We originate, structure, implement and distribute a wide range of products from term investment loans and revolving credit facilities to more sophisticated development, bridging and business plan driven financings. We're able to provide fully underwritten facilities of all sizes against all major asset classes on both a secured and unsecured basis
Sector knowledge while advantageous is not a pre-requisite. We are looking for a highly motivated, mobile, organised individual who is keen to develop their real estate debt structuring skills and progress themselves through professional qualifications with a view to moving forward their career aspirations
Your accountabilities will include:

• Support Associate Directors and Directors in their origination activities, proactively identifying opportunities and clients where Lloyds products and services are of likely interest
• Deliver market leading turnaround to our client base, by reviewing analysing and presenting new deal opportunities internally within agreed timeframes
• Assist with drafting term sheets to a high standard, ensuring complete accuracy of "boiler plate" elements and contributing to completeness of structure to mitigate risk to a level reflective of return
• Prepare financial models to a high standard, ensuring complete accuracy of "boiler plate" elements and contribution to completeness of structure to mitigate risk to a level reflective of return
• Manage as a key member of the team any changes to Bank policies, systems, processes and working practices to achieve operational improvements e.g. Simplification and any issues are satisfactorily resolved. Supervisory Oversight process to be followed alongside standard credit governance - renewals etc
• Collaborate closely with the appropriate team when appropriate to ensure legal and other documentation is aligned with credit sanction, Bank and Regulatory policy to minimise risk
• Strong adherence to MIFID, Financial Promotions, FCA regulation in the context of being the 'Best Bank for our Customers' and Helping Britain Prosper

Why Lloyds Banking Group?
We're on an exciting journey to transform our Group and the way we're shaping finance for good. We're focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone. Including you.
What we need from you

• Experience: real estate finance transactions is beneficial, with development financing experience particularly advantageous
• Relationship management -collaborate, engage and encourage a broad range of stakeholders and personalities, for both external clients and internal partners
• Strong Excel skills: Essential for data analysis and cash flow modelling.
• Ability to multi-task and meet short deadlines: Crucial for managing varied responsibilities, delivering results under tight deadlines, and planning and organising to ensure client and team day-to-day requirements are met.
• Strong interpersonal and communication skills: Both written and spoken.
• Self-motivation and strong work ethic: Important for success in this role

About working for us!
You'll enjoy our dedication to your ongoing personal and professional development. We'll help you perform at your best today, so you can fulfil all your potential in the future.
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
• 28 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!
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.

Skills Required