Job Description

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

JOB TITLE: Associate Director- CRE Origination and Structuring, Real Estate and Housing
LOCATION: London
HOURS: Full Time
WORKING PATTERN: Our work style is hybrid, which involves spending at least three days per week, or 60% of your time, at our London office.
About this opportunity
Are you a highly motivated, organised individual who is keen to develop their debt structuring skills within the Real Estate client base? If so, we have a great opportunity for an Associate Director to join our team.
We're a market leading provider of commercial real estate finance and our team delivers efficiently structured solutions to domestic and international private equity, insurance, pension, sovereign wealth, family office sponsors and listed companiesas well as privately owned companies, that are tailored to their investment objectives across investment and development facilities.
Key Accountabilities:

• Work alongside the Structuring Directors and will be tasked with a key support role in the management of relationships across the spectrum of Real Estate clients, working with associates to structure debt transactions from initial information provided to achieve an acceptable level of profit, risk and return in line with agreed business plan
• Work closely and proactively with the Relationship team to lead origination efforts where required, to generate a pipeline of opportunities through proactive client and target engagement with the Relationship team. This includes helping to pitch for business and developing prospect leads and introductions, as well as handling key existing client relationships
• Prepare financial models to a high standard, ensuring complete numeric accuracy, appropriate selection of inputs and stress testing. Ensure all risks are identified and fully understood
• Prepare term sheets to a high standard, ensuring complete accuracy and completeness of structure to mitigate risk to a level reflective of return
• Assess and structure new business proposals to minimise risks, and prepare high quality Credit / Investment papers for the consideration of internal partners
• Determine optimum distribution solutions, working with the Real Estate Capital Markets division, in order to maximise returns and deliver best pricing to clients
• Negotiate commercial terms and conditions of credit facilities after consulting with all relevant internal and external parties and prepare required proposals and lead calls with professionals and clients for non-critical matters in the closing process

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?

• Strong excel and financial cashflow modelling skills as well as ability to stress test client business plan projections.
• Excellent relationship management skills with a proven background working in real estate finance
• Excellent written skills with the ability to prepare concise and accurate Credit / Investment Committee papers.
• Ability to manage internal and external customers to deliver to tight client timescales.

About working for us!
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

This is a once in a career opportunity to help shape your future as well as ours. 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.
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