Job Description

End Date Thursday 06 November 2025
Salary Range 81,999 - 91,110
Flexible Working Options Hybrid Working, Job Share
Summary .

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 one of our office sites.
We're recruiting an Associate Director to join the newly-formed Asset Management team, this is 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, whilst also ensuring alignment to core regulatory requirements, compliance with policies and delivering great customer outcomes.
You'll work collaboratively with a high energy team of product specialists, as well as key partners in other areas of the bank, to manage risk, unlock growth whilst championing an environment of diversity and customer centric innovation, promoting new ways of working to deliver our broader purpose - Helping Britain Prosper and delivery of business objectives over the short and medium term.
Transaction Bank Product knowledge with practical experience of Trade products (namely Invoice Finance, Asset-based lending (ABL)) and Commercial Banking are a minimum requirement, with full training provided for this key strategic role which provides a great opportunity for a high performing individual looking to progress within a growth business.
You'll be responsible for playing an active role in supporting the risk management of the product portfolio; supporting complex activities, optimise client outcomes, product objectives through promoting risk management and a strong governance culture.
A role within Asset Management provides the opportunity to work flexibly, develop personally & professionally; and work collaboratively with an ambitious team to build our business and bring to life the Group vision of Helping Britain Prosper.
Roles and Responsibilities will include

• Supporting the monitoring and ongoing management of portfolio risks, including regular collateral valuation and management, and definition and tracking of Key Performance Metrics
• Collaborating with a wide range of internal and external stakeholders including across clients, coverage and risk to deliver superior outcomes for our customers, by also enhancing and simplifying the Asset Finance governance journey
• Management of a complex portfolio of assets, ensuring credit quality and timely internal reporting of performance and risk including preparation of management information and presentations
• Monitor financial covenants, adviser reports and market developments to assess ongoing credit quality, market trends and customer feedback
• Prepare and submit annual reviews, completion of product papers and credit applications in conjunction with Coverage, aligned with defined strategy and engage with colleagues in Product, Delivery, Lending Execution and Risk as appropriate

About us
If you think all banks are the same, you'd be wrong. We're an innovative, fast-changing business that's shaping finance as a force for good. A bank that's empowering its people to innovate, explore possibilities and grow with purpose.
What you'll need

• Understanding, prior knowledge of Transaction banking Product(s), management of such facilities, including some experience in portfolio risk management
• Excellent analytical and problem-solving skills; strong communication and interpersonal skills. Experience in financial assessment, credit analysis or asset management.
• Strong organisational skills with the ability to manage competing priorities, along-side knowledge of the different products, collateral types and deal structures
• Awareness of market trends, and the opportunities and threats that these present to customers and the bank, risk management and Product frameworks
• Strong interpersonal skills, experience in managing multiple stakeholders, preferably in a large banking and financial services institution is desirable
• Experienced in using suite of Microsoft Application, excellent report writing and communication skills
• Ability to analyse complex information, identify risks and spot opportunities

About working for us
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we're committed to creating an environment in which everyone can thrive, learn and develop.
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.
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident
Scheme.
We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.
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

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