Associate - Global Investors and listed Clients, Real Estate and Housing

Lloyds Banking Group; London; Hybrid; GBP 40,000 - 80,000; Full time

Job description

End Date

Sunday 13 April 2025

Salary Range

£0 - £0

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

Job Description

JOB TITLE: Associate - Global Investors and Listed Clients, Real Estate and Housing
LOCATION: London

SALARY: Competitive Salary
HOURS: Full Time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of your time, at our London office.

About this opportunity

The Global Investors & Listed team is a coverage business within the Real Estate & Housing business, a key part of the Client Solutions Groups (“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 Global Investors & Listed team delivers efficiently structured solutions to domestic and international private equity, insurance, pension, sovereign wealth and family office sponsors and listed companies 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 are able to provide fully underwritten facilities of all sizes against all major asset classes on both a secured and unsecured basis as well as a full suite of rates, currency hedging, DCM and global transaction banking solutions.

Sector knowledge while advantageous is not a prerequisite; we're looking for a highly motivated, mobile, organised individual who is keen to develop their relationship management skills and progress themselves through professional qualifications with a view to moving forward their career aspirations and pursuing our ‘Transform’ strategic pillar.

What you’ll be doing

• Analysis and financial modelling for commercial real estate financing: Conduct detailed financial analysis and modelling to support decision-making across various asset classes for investment, development and repositioning loans, both bilateral and syndicated. Assess the underlying drivers of the income and real estate fundamentals.
• Loan structuring and execution: Determine heads of terms, review and support directors with negotiation of documentation with clients.
• Preparing detailed credit memos and presentations: Analysis and presentation to key internal stakeholders on new business/financing opportunities, develop comprehensive documents for credit and pricing committees.
• Assisting in discussions with clients and advisers: Facilitate effective communication and negotiations.
• Collaborating with internal stakeholders: Ability to deliver concise and coherent presentations on short notice, working closely with KYC onboarding, legal, and banking teams to ensure client’s operational banking and loan management requirements are met, working with the Transaction Execution team to ensure legal and other documentation is aligned with credit sanction, Bank and Regulatory policy to minimise risk.
• Portfolio Management: Ongoing facility monitoring including covenant compliance, revaluations and capex programmes, supporting with refinancing of existing loans and ensuring that stakeholders such as credit are informed of any issues as they arise, working in a ‘client first’ manner. Assist in the preparation and monitoring of Client Account plans and reporting for the sector in order to meet profitability RWA, balance sheet requirements.
• Participating in ad hoc workstreams: Engage in various additional tasks/projects as needed. Strong adherence to MIFID, Financial Promotions, FCA regulation in the context of being the ‘Best Bank for our Customers’ and Helping Britain Prosper.

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!

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.