Associate - Structuring, Transaction Banking Solutions

Lloyds Banking Group; City of Westminster; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounted shopping

28 days holiday

Wellbeing & parental leave

Job summary

Lloyds Banking Group is recruiting for a role within the Transactional Structuring team in the UK. The team partners with TBS Corporate and Institutional Sales and other Solution teams to structure and execute trades and credit submissions across Core Trade to Invoice Finance products.

The role emphasizes collaboration, risk awareness, and delivering value across a broad product suite. The arrangement is hybrid, with a preference for spending several days in the office.

Qualifications

• Ability to analyse information and model financial outcomes.
• Strong communication of sophisticated topics to various stakeholders.
• Ability to work with cross-functional teams and senior colleagues.

Responsibilities

• Support structuring and execution of transactions across the Transaction Banking product suite.
• Assist senior colleagues in managing a portfolio of existing clients and supporting P&L targets.
• Create product papers (credit memos) and liaise with credit teams for facilities approval.
• Contribute to the execution of Transaction Banking Solutions products across trade and payments.
• Build relationships with internal and external stakeholders and identify cross-sell opportunities.
• Ensure compliance with group policy and regulatory requirements; mitigate commercial risks.

Skills

Data analysis

Financial modelling

Communication

Stakeholder management

Team collaboration

Job description

Responsibilities and Requirements

Join the Transactional Structuring team within Transaction Banking Solutions (TBS). This team partners closely with TBS Corporate and Institutional Sales and the Specialist Client Solutions team, supporting the structuring and execution of transactions (including credit submissions) across the full transaction banking product suite-including Core Trade, Traditional Trade, Commodity Trade Finance, ECA, Commercial Cards, Asset and Invoice Finance, Merchant Services, and other core Transaction Banking products. Your accountabilities will include:

• Assisting senior colleagues in managing a portfolio of existing clients and supporting the delivery of P&L targets.
• Supporting the structuring and execution of transactions, including client engagement, credit discussions, legal negotiations, and completion.
• Creation of Product Papers (credit memos) and engagement with the credit teams to support the approval of new and/or renewal of facilities.
• Helping with the execution of Transaction Banking Solutions products across trade and payments.
• Building relationships with internal stakeholders and external partners, including professional advisors.
• Identifying cross-sell opportunities and connecting clients with relevant TBS product specialists.
• Ensuring compliance with group policy and regulatory requirements and helping to identify and mitigate commercial risks., 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.
  Working Pattern: Our work style is hybrid which involves spending at least 3 days per week, or 60% of your time, in the office. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.
  Some experience or exposure to trade and capital products is beneficial, more importantly is a willingness to learn about structuring across receivables financing, supply chain finance, inventory finance, traditional trade, structured trade, asset finance, ECA, and Invoice Finance.
• Ability to work collaboratively with internal and external partners.
• Ability to undertake data analysis and financial modelling, and to interpret financial and non-financial information to identify key issues and put in place appropriate actions, controls and measures.
• An effective communicator with ability to communicate sophisticated topics and influence across peer groups or seniors respectively.
  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.
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:

Benefits

• 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