Associate Director, Corporate AM, Lending & Risk Management

End Date

Sunday 13 September 2026

Salary Range

£0 - £0

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Flexible Working Options

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Job Description Summary

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Job Description

JOB TITLE: Associate Director, Corporate AM, Lending & Risk Management

SALARY: Competitive package available LOCATIONS: London or Edinburgh HOURS: Full-Time WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites. 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

We have an exciting opportunity for an experienced candidate to join Corporate Asset Management ("CAM") and support the continued growth of CIB! CAM is responsible for the active management of the Bank's Corporate & Institutional lending portfolio and plays a critical role in optimising risk-adjusted returns, supporting disciplined origination and maintaining strong first-line credit stewardship across the Corporate Coverage loan book.

This is primarily an internal-facing role, with significant influence on client outcomes through close partnership with Coverage, Credit, Product and other key stakeholders. The successful candidate will lead the management of a diverse portfolio of corporate clients, provide rigorous credit risk assessment and insight, influence transaction outcomes through Deal Screening and approval forums, and support delivery of the team's financial, strategic and risk objectives.

Success in the role will be demonstrated through strong credit stewardship, high-quality transaction recommendations, proactive portfolio management, identification of risk and capital optimisation opportunities.

Key Responsibilities:

• Own and manage a portfolio of corporate clients, delivering strong credit stewardship through proactive risk identification, monitoring and portfolio management.

• Lead Portfolio Management assessment of new lending opportunities and material credit events, influencing transaction outcomes through balanced commercial and credit recommendations.

• Support portfolio performance through active management of risk, returns, capital usage and balance sheet resources.

• Help shape sector and portfolio strategies, identifying opportunities to optimise portfolio composition, concentration risk and future lending capacity.

• Build trusted partnerships across Coverage, Credit, Product and Risk teams, providing insight, challenge and support throughout the deal lifecycle.

• Coach and develop colleagues while driving continuous improvement, technology adoption and simplification across portfolio management activities

Why join us

Join us and, give us your best and we’ll give you ours. Here, you’ll make a difference to customers, you’ll enjoy a fulfilling career where you’re free to be yourself. Great colleagues, amazing workspaces, hybrid working and huge career opportunities-you’ll find them all here.

What we’re looking for

• Strong experience in credit risk assessment, portfolio management and financial analysis, with the ability to identify risks, assess opportunities and make sound risk-reward decisions. We’re ideally seeking 5+ Years of experience in this.

• Good understanding of corporate banking, lending products and the markets in which corporate clients operate, with the ability to balance commercial objectives and risk management.

• Strong judgement and decision-making skills, with the confidence to influence stakeholders and provide constructive challenge on transactions, portfolio strategy and credit events.

• 5+ years of experience in assessing portfolio-level trends and contributing to portfolio strategy, capital optimisation and performance objectives.

• Excellent communication and stakeholder management skills, with the ability to build trusted relationships and articulate complex issues clearly and concisely.

• Demonstrated leadership capability, including coaching and developing colleagues and contributing to a high-performing, collaborative team culture.

• Proactive approach to continuous improvement, technology adoption and identifying opportunities to enhance efficiency, decision making and client outcomes.

Desirable

• Experience working with Corporate & Institutional clients and complex lending structures.

• Knowledge of capital management, portfolio optimisation and credit risk mitigation techniques.

• Knowledge of SPG, Trade and other corporate banking products.

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

• 30 days’ holiday, with bank holidays on top

• A range of wellbeing initiatives and generous parental leave policies

Like what you hear? Join us!

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.