Corporate Lending - Associate Director

Join us as an Associate Director within our Large Corporate Lending team

LCL provides thought leadership for appropriate lending solutions for corporate clients. The team leads the structuring and origination discussions with clients and credit, helping drive existing and new lending activity.

• Support Structuring Directors/Vice Presidents, Large and Mid-Corporate Relationship Directors in the origination, structuring and execution of UK debt finance deals in a dynamic and competitive marketplace
• Consider past and predicted business performance, sector, market and peer group dynamics, macroeconomic and credit risk factors to provide high quality credit analysis and papers for financing requests of typically >£10m
• Produce financial analysis, financial modelling and suitable sensitivity analysis to support business opportunities
• Create pitch materials for clients to support the debt origination effort

• Proven credit analysis experience & structuring skills.
• Proactive ability to analyse and interpret financial statements and to research internal and external market data sources.
• Ability to work in dynamic environment often to tight timelines.
• A strong team player, but at the same time, is able to work under own initiative.
• Excellent written and oral communication skills including presentation skills with experience of presenting to both internal and external stakeholders.
• Understanding of the end-to-end lending journey in corporate banking.
• Awareness of different sources of corporate funding and the macro-economic factors affecting debt markets.

• Higher education degree OR suitable professional qualification (e.g. ACCA, AMCT, CFA).
• Lending experience within a financial institution.

This role is based in Birmingham or Manchester

You may be assessed on the key critical skills relevant for success in role, such as risk and controls, business skills and interpersonal skills , as well as job-specific technical skills.

To manage debt relationships with high-value corporate clients and potential clients Provide support to the bank's senior management team in setting strategic direction and, managing debt structuring risk across the organisation.

• Collaboration with account managers to structure, recommend and fully implement relevant debt products and services to existing and potential clients.
• Management of debt structuring, including oversight of colleagues and their performance, implementation of departmental goals and objectives, oversight of department efficiency and effectiveness. .
• Relationship management of debt structuring stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third party services.
• Management of key stakeholder relationships within target companies to understand their needs and recommend appropriate solutions.
• Management of debt structuring risk, including identification of potential risks, development of strategies to mitigate those risks, and maintenance of alignment between the bank’s debt structuring and compliance functions. .
• Monitoring the financial performance of each transaction completed as well as the wider debt structuring department, including revenue, profitability, and cost control.
• Conducting thorough market research to understand market trends, competitive landscape, and regulatory changes to identify market opportunities.

• To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.
• Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes
• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for…