Associate Director - Asset Management, Real Estate and Housing

3w3 weeks ago

Lloyds Banking Group

London, GB · Full-time · £120,000 – £180,000

About this role

Join the Asset Management team managing a £20bn+ loan portfolio in Real Estate & Housing. Work closely with Coverage, Structuring, Credit Risk, and Portfolio Management teams to deliver client service and risk management across the loan lifecycle. This multi-dimensional role combines asset management, portfolio reporting, and change management.

Take ownership of a commercial real estate portfolio ensuring optimal performance and proactive risk mitigation. Manage loan events like consents, extensions, additional borrowings, refinancings, and covenant amendments. Liaise with legal counsel and internal teams for seamless transaction delivery.

Review client financial reporting to extract insights from management information and covenant compliance. Engage directly with clients on loan and risk matters alongside Coverage colleagues. Identify early warning signs of credit deterioration for portfolio reviews.

Enhance portfolio reporting using data analysis to develop meaningful KPIs. Support the Asset Management Director in process improvements, new systems, and reporting. Lloyds Banking Group invests in technologies, workplaces, and colleagues for transformation.

Requirements

Strong experience in Real Estate finance or related sector with expertise in financial analysis, credit report writing, LMA documentation and risk management
Advanced Excel skills and financial modelling
Excellent written and verbal communication skills with confidence presenting to CIB committees and engaging clients and senior stakeholders
Proven ability to manage priorities effectively in a fast-paced, collaborative environment
Line management experience with passion for coaching and developing others
Background in portfolio management and familiarity with risk mitigation strategies
Knowledge or experience within the Housebuilder or Housing sector

Responsibilities

Deliver best-in-class client experience from loan close through to refinance
Manage full lifecycle of loan events including consents, extensions, additional borrowings, refinancings, covenant amendments, and annual renewals
Liaise with legal counsel and internal execution teams to ensure seamless transaction delivery
Review client financial reporting and extract key insights from management information and covenant compliance schedules
Engage directly with clients on loan and risk-related matters in collaboration with Coverage colleagues
Identify early warning signs of credit deterioration and present findings at portfolio reviews
Use data analysis and manipulation skills to enhance portfolio reporting and develop meaningful KPIs

Benefits

Flexible working options including hybrid working and job share
Hybrid work style with at least two days per week or 40% of time in London office
Commitment to diversity, equity and inclusion supporting customers, colleagues and communities