Associate - Structuring, Transaction Banking Solutions

Lloyds Banking Group; Greater London; Hybrid; GBP 70,000 - 100,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounts

Holiday entitlement

Wellbeing programs

Parental leave

Job summary

Lloyds Banking Group in London is seeking an Associate to join the Structuring team within Transaction Banking Solutions. The role supports the structuring and execution of transactions across the full product suite, including trade finance and payments.

You will collaborate with internal stakeholders and client teams, develop product papers, assist with credit discussions, and ensure compliance with group policy while pursuing cross-sell opportunities.

Qualifications

• Some experience or exposure to trade and capital products is beneficial.
• Willingness to learn structuring across receivables, supply chain, inventory and asset finance.
• Ability to communicate effectively with internal and external partners.

Responsibilities

• 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.

Skills

Data analysis

Financial modelling

Communication

Collaboration

Job description

Job Description Summary

End Date: Tuesday 22 September 2026.

Salary Range: £0 - £0.

We support flexible working -

Flexible Working Options: Hybrid Working, Job Share.

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.

Accountabilities

• 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.

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

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