Agile Working Options

Other Agile Working Arrangements / Open to Discussion

Job Description Summary

Corporate & Institutional Coverage (CIC) is a core coverage business within Commercial Banking, operating across the UK, Europe, and North America is responsible for the management of relationships with the larger commercial clients. Consisting of 7 Sectors – Services & Public Sector; Industrials, Infrastructure & Europe; Consumer & Tech; Sustainable and Natural Resources; Financial Services; Sponsors & Structured Finance; Real Estate & Housing.

Real Estate & Housing Private Groups Scotland looks after our Scottish offering to the industry with over 35 clients and assets exceeding £400m, with activities ranging from specific bi-lateral Residential and Commercial Development projects to Residential and Commercial Investment across sub-sectors of Real Estate on both bi-lateral and syndicated basis, with a mandate for further growth.

We're looking for a strong performing individual to work in the Private Groups team, supporting a Relationship Director, alongside two associates with an active and growing key portfolio across Scotland. This role provides the opportunity to assist in driving our targeted growth aspirations for the region, honing marketing / relationship skills and ensuring we're balancing risk, profitability and management of the bank’s capital. Regional Acceleration and ESG are key priorities for our industry and the CIC / RE&H business.

Sector knowledge while advantageous is not a prerequisite; we're seeking a motivated and conscientious individual who is keen to develop their relationship management skills. The candidate will be SMCR accredited or expected to complete SMCR accreditation on appointment.

For further information on the role please contact Graeme Steel, interviews will commence from mid July

Job Description

Corporate & Institutional Coverage (CIC) is a core coverage business within Commercial Banking, operating across the UK, Europe, and North America is responsible for the management of relationships with the larger commercial clients. Consisting of 7 Sectors – Services & Public Sector; Industrials, Infrastructure & Europe; Consumer & Tech; Sustainable and Natural Resources; Financial Services; Sponsors & Structured Finance; Real Estate & Housing.

Our Real Estate & Housing Private Groups Scotland looks after our Scottish offering to the industry with over 35 clients and assets exceeding £400m. With activities ranging from specific bi-lateral Residential and Commercial Development projects to Residential and Commercial Investment across sub-sectors of Real Estate on both bi-lateral and syndicated basis, with a mandate for further growth.

We're looking for a strong performing individual to work in the Private Groups team, supporting a Relationship Director, alongside two associates with an active and growing key portfolio across Scotland. You'll get the opportunity to assist in driving our targeted growth aspirations for the region, honing marketing / relationship skills and ensuring we're balancing risk, profitability and management of the bank’s capital. Regional Acceleration and ESG are key priorities for our industry and the CIC / RE&H business.

What you'll get involved in:

• Build upon a designated portfolio of customer relationships to anticipate and satisfy customers’ strategic requirements in a ‘Client First’ manner. Working in close collaboration with product partners across the Bank to bring appropriate products and services to clients

• Assess and structure new business proposals and prepare Credit / Investment papers together with coordinating existing day-to-day portfolio management in conjunction with the Relationship Director.

• Negotiate terms and conditions of credit facilities and services and prepare proposals to seek approval. Ensure legal and other documentation are aligned with credit sanction, bank and regulatory policy and work closely with the Debt & Transaction Execution team when appropriate

• Help to champion changes to Bank policies, systems, processes and working practices to achieve operational improvements e.g. Simplification and any issues are satisfactorily resolved.

• Demonstrate strong alignment to the journey to Net-Zero, assisting in all aspects of ESG delivery and enhancing client interactions with a view to delivering measurable success in decarbonising the Client portfolio

• Strong adherence to MIFID, Financial Promotions, FCA regulation in the context of being the ‘Best Bank for our Customers’ and Helping Britain Prosper. In conjunction with our 4 Group Values of trust, people first, inclusivity and innovative thinking.

What we're looking for:

Key skills and experience:

• Relationship management

• Attention to Detail

• Corporate Market Knowledge

• Evidencing our core group values alongside RE&H’s championing of VEBIC (Vibrant, Engaged, Best in Class).

Desirable skills and experience:

Sector knowledge while advantageous is not a prerequisite; we're seeking a motivated and conscientious individual who is keen to develop their relationship management skills. The candidate will be SMCR accredited or expected to complete SMCR accreditation on appointment.

What we can offer you

In return for your expertise, you'll enjoy our total dedication to your ongoing personal and professional development. We'll help you perform at your best today, so you can fulfil all your potential in the future!

Lloyds Banking Group is committed to building a workforce which reflects the diversity of the customers and communities we serve, and to crafting an inclusive environment where we can all be ourselves and succeed on merit. We're proud of the industry recognition we have received, including Stonewall Top 100 Employer, Top 30 Employer for Working Families, Gold Standard 2014 from the Business Disability Forum and Top 50 Employer for Women

This role is considered Certified under the Senior Manager and Certification Regime as either requiring mandatory qualifications or being deemed as a role capable of providing ‘significant harm’ to customers. Due to this, successful candidates will be subject to enhanced levels of vetting, and required to complete a fitness and propriety attestation on commencement in role. Colleagues performing this role will be required to be complete a fitness and propriety attestation on an annual basis and will also be subject to additional routine criminal and credit checks

As a certified colleague your details will be published on the FCA’s Financial Services Register

This role has been identified as a Client-dealing function under SYSC 27.8.18R as defined in the FCA Handbook

The Person  (“P”) performs the client-dealing FCA certification function for a firm if:(1)  P is carrying out any of the activities in the table in SYSC 27.8.19R; and(2)  those activities will involve P dealing with:(a) a person with or for whom those activities are carried out; or(b) the property of any such person;in a manner substantially connected with the carrying on of regulated activities by the firm.

If you manage certified colleagues this role will be identified as Manager of certification employees under SYSC 27.8.13R as defined in the FCA Handbook(1) The function of managing or supervising a certification employee, directly or indirectly, is an FCA-specified significant-harm function.(2) A function in (1) is not an FCA certification function for that firm if it is performed by an SMF manager of that firm.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain recover. 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'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.