Associate Director - Core Origination & Structuring - Real Estate

Lloyds Banking Group; Manchester; Hybrid; GBP 65,000 - 90,000; Full time

Benefits offered by this job

Pension contribution up to 15%

Annual bonus

Share schemes

Flexible benefits

30 days holiday

Wellbeing initiatives

Parental leave policies

Job summary

Lloyds Banking Group in the UK is seeking a professional to join our Core Origination & Structuring team, focusing on the commercial real estate market. The role offers a hybrid pattern with at least three days per week in office locations such as London, Manchester or Birmingham.

You will work with Relationship Directors to identify opportunities, build prospect pipelines and deliver tailored financing solutions, balancing risk and return.

Qualifications

• 3+ years' experience in the UK Real Estate sector, including developer and investor markets.
• Knowledge of market trends, credit risk, debt structuring, legislation and government influence.
• Strong communication, collaboration and client relationship skills across teams.

Responsibilities

• Identify opportunities, build prospect pipelines and win new business with Relationship Directors.
• Develop relationships with senior clients and design financing solutions balancing risk and return.
• Support transactions from opportunity through completion, including due diligence and terms.

Skills

Real estate financing

Credit risk assessment

Debt structuring

Client relationship management

Job description

Location: London / Manchester / Birmingham

Hours: Full-Time

Working Pattern: Our work style is hybrid, which involves spending at least three days per week or 60% of our time, at one of our office sites.

About this Opportunity:

This is an exciting opportunity to join our newly established Core Origination & Structuring team and help shape our approach to the UK commercial real estate market. You'll work closely with the Director and Associate, building client relationships, supporting sustainable growth and delivering tailored financing solutions.

You'll help grow our commercial real estate business by working with Relationship Directors to identify opportunities, build prospect pipelines and win new business. You'll develop strong relationships with senior clients and use your credit and structuring expertise to create financing solutions that meet client needs while balancing risk and return.

You'll support transactions from initial opportunity through to completion. This will include financial analysis, structuring, due diligence and negotiating commercial terms. You'll help ensure high standards across credit, pricing, documentation, governance and risk management.

Collaboration will be key. You'll work with colleagues across Coverage, Specialist Origination & Structuring, Asset Management, Capital Markets and product teams to bring together the right expertise for clients. You'll also help clients progress their environmental, social and governance (ESG) and Net Zero ambitions.

As part of a new team, you'll have the opportunity to influence how we work, contribute to our strategic direction and support colleagues to develop and succeed.

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, make change happen and challenge the status quo. Sound like you?

What we're looking for?

• 3+ years' experience in the UK Real Estate sector, including developer, investor and living-sector markets, with knowledge of market trends, credit risk, debt structuring, legislation and government influence.
• Good credit assessment and debt structuring experience, developing commercial financing solutions that balance risk, return and client outcomes.
• Strong communication, collaboration and client relationship skills, with experience influencing stakeholders across teams.

And any experience of these would be great:

• Experience in Corporate and Institutional Banking or a comparable financial services environment
• Knowledge of the Markets in Financial Instruments Directive (MiFID), Financial Promotions and Financial Conduct Authority (FCA) requirements

We know that great talent comes from many backgrounds. Whilst this advert may reference specific experience, we recognise that skills are developed in different ways, so if you have relevant, transferable experience, we encourage you to apply.

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