Associate – Structuring, Transaction Banking Solutions

Aplaro Ltd; Greater London; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

28 days holiday

Wellbeing initiatives

Parental leave

Flexible office attendance

Job summary

Lloyds Banking Group is hiring an Associate in London to support the Transaction Banking Solutions structuring team. You will assist in structuring and executing transactions across core Trade, Payment, and related products while engaging with clients and internal stakeholders.

The role emphasizes learning across receivables financing, supply chain finance, and asset finance, with a collaborative, hybrid work setup and strong regulatory awareness.

Qualifications

• Experience with trade and capital products is beneficial.
• Ability to learn structuring across receivables financing, supply chain finance, inventory finance, asset finance, and invoice finance.
• Strong communication to influence across peers and seniors.

Responsibilities

• Assist senior colleagues in managing a portfolio of existing clients and supporting P&L targets.
• Support structuring and execution of transactions, including client engagement and credit discussions.
• Prepare Product Papers (credit memos) and liaise with credit teams for facility approvals.
• Contribute to execution of Transaction Banking Solutions across trade and payments.

Skills

Trade finance

Structured finance

Financial modelling

Data analysis

Credit discussions

Job description

## About this roleEnd Date Tuesday 22 September 2026 Salary Range £0 - £0 We support flexible working – click here for more information on flexible working options Flexible Working Options Hybrid Working, Job Share Job Description Summary . Job Description Job Title: Associate - Structuring, Transaction Banking Solutions Location: London Salary: Competitive package available Hours: Full Time 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. What you’ll be doing 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. Why join us If you think all banks are the same, you’re wrong. We’re a pioneering, fast-changing business that’s shaping finance as a force for good. If you’re after a role where you can have an impact and do the best work of your career, you’ve just found it. What we’re looking for 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. This is a place for you 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 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 Ready for a career where you’ll learn and thrive? Apply today and find out more. 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.