Job Description

End Date Sunday 05 October 2025
Salary Range 0 - 0
Flexible Working Options Hybrid Working, Job Share
Summary .

Job Title: Associate, Real Estate & Housing Asset Management
Location: London, Edinburgh and Birmingham.
Salary: Competitive package available
Hours: Full Time
Working Pattern: Our work style is hybrid, which currently involves spending at least two days per week, or 40% of our time, at your office location.
About this opportunity
You'll work within Asset Management (AM), a team established to take on the management of the loan portfolio within Real Estate & Housing. Working with colleagues within Coverage and Structuring teams, as well as other key stakeholders such as Credit Risk and Portfolio Management, AM is a client facing team focussed on delivering high quality loan portfolio management. You'll be primarily working on Housing (Social Housing and Housebuilders) clients, taking responsibility for key aspects of risk relationship including Credit reporting, financial analysis, and supporting transactional activity.
What you'll be doing

• Provide an excellent client experience during the life of the client loan relationship.
• End-to-end delivery of Annual Credit Renewals, support for +1 requests, and other client initiated Credit requests.
• Take ownership of excess management for a portfolio of Housing clients.
• Receipt of client financial reporting, liaising with operations colleagues, and reviewing / reporting key outputs from client MI / Covenant compliance schedules. Engage clients directly on loan / risk related activity aligned with Coverage colleagues.
• Provide analysis for cases reported on Credit Watchlist and for information required for regular Credit portfolio reviews.
• Take ownership of portfolio data quality using available risk reporting
• Represent Asset Management in key internal stakeholder forums (e.g. regular engagement with Coverage, CIDT, Credit).

What we need from you:

• Experience in working with Clients to meet their needs
• A strong interest in the bank's purpose driven support of the UK Housing sector

• Excellent attention to detail with strong numerical skills
• Strong Excel skills and the ability to work with financial models
• Report and presentation writing skills with strong written and verbal communication skills
• Ability to communicate effectively at all levels and across different audiences
• Ability to manage multiple priorities and work effectively in a fast-paced, team-oriented environment.

And any experience of the following would be really useful:

• Experience of preparing submissions to Credit Risk, and/or of Credit Risk processes, systems.
• Experience in managing client level risk in a Real Estate & Housing or Corporate environment.

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