Associate Director, Growth & Structured Finance

lloyds banking group; Birmingham; Hybrid; GBP 70,000 - 79,000; Full time

Job summary

A major financial services organization is seeking an Associate Director in Birmingham. This role involves originating and structuring complex debt facilities for SME & Mid Corporate clients. The successful candidate will lead transactions, provide financial analysis, and enhance market presence. Candidates should possess strong excel skills and experience in the SME segment. The position offers a competitive salary ranging from £70,929 to £78,810, with benefits such as a generous pension and annual bonus.

Benefits

Generous pension contribution of up to 15%

Annual bonus award

Share schemes including free shares

30 days’ holiday

Wellbeing initiatives

Generous parental leave policies

Qualifications

• Strong excel and financial modelling skills are essential.
• Experience within the SME and/or Mid Corporate segment is required.
• Excellent written communication for concise credit papers.

Responsibilities

• Support in overseeing client and credit processes for deal completion.
• Lead business proposals for lower risk transactions.
• Prepare and analyze financial models to ensure accuracy.

Skills

Strong excel and financial modelling skills

Experience in SME and/or Mid Corporate segment

Excellent written communication skills

Ability to manage multiple priorities

Proactive mindset

Job description

End Date

Tuesday 13 January 2026

Salary Range

£70,929 - £78,810

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours

Job Description Summary

.

Job Description

JOB TITLE: Associate Director, Growth & Structured Finance

SALARY: National £70,929 to £78,810/ London £76,464 to £84,960

LOCATIONS: Birmingham, Bristol, Edinburgh, Glasgow, Leeds, London or Manchester

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 one of our office sites.

About This Opportunity

Our Commercial Banking division has business clients across a wide variety of sectors - from small businesses to multinational corporations. We have an exciting opportunity to join our highly successful Growth & Structured Finance team providing outstanding support and having a real impact for SME & Mid Corporate businesses across the UK. The Growth & Structured Finance team has been growing since established in 2023 and is a meaningful part of our strategy for 2025 and beyond.

We're looking for an Associate Director to join our team to help originate, structure, and implement more complex/leveraged debt facilities for SME & Mid Corporate clients and prospects across a variety of sectors. The team will transact a range of funding requirements which will vary in complexity including MBOs, Mergers & Acquisitions and funding for growth especially where the bank does not see lending covered in full by traditional assets.

Within a strong team of successful professionals, this is a fantastic opportunity for someone to join a high performing team. In addition to playing a key role as part of a transactional deal team, you will help enhance our market presence by driving business development and representing the Group within the professional community.

What you’ll be doing

• Forming part of a team alongside the Directors for complex transactions, you will support in over-seeing an efficient client, credit and diligence/legal process for successful deal completion through the in depth understanding of the client and the request.


• Assessing, structuring and leading on new business proposals for lower risk transactions with incremental support from Directors.


• Preparing and analysing financial models to a high standard, ensuring complete numeric accuracy, assumptions are stress tested, and ensuring risks are identified and understood.


• Collaborating closely with colleagues in the SME and Mid Corporate Relationship teams, supporting with upskilling and identification of opportunities both in the existing client base and in the external market.


• Growing market presence and relationships with debt advisors and the professional community to support origination activities.

What you’ll need

• Strong excel and financial modelling skills, including cashflow analysis and stress testing.


• Experience of optimally operating within the SME and/or Mid Corporate segment.


• Excellent written communication skills for producing concise, accurate credit papers.


• Ability to manage multiple priorities and deliver under tight deadlines.


• A proactive mindset with a strong appetite to learn and grow in a fast-paced environment.

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. 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 bonus award, subject to Group performance


• 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.

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.