Managing Director, Lending & Risk Management, Portfolio Management

Managing Director, Lending & Risk Management, Portfolio Management

Location: London

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.

Background: Corporate and Investment Banking (CIB) at Lloyds serves the financial needs of large clients (generally more than £100m turnover) from our bases in the UK and the USA that support our ability to Help Britain Prosper. Our purpose-led, disciplined growth strategy builds on our expertise in transaction banking, debt financing, and risk management.

The Client Solutions Group (CSG) within CIB provides debt and transactions banking solutions to the entire CIB client franchise as well as being responsible for the coverage of Corporate clients. Our Portfolio Management (PM) team within CSG has been established as the team accountable for the CIB lending product on an end-to-end basis, including:

• The financial performance of the CIB loan portfolio (revenues, costs, impairment, capital, balance sheet)
• The risks of the loans
• The management and servicing of the assets within the leveraged finance, infrastructure, and project finance loan book
• Implementing and managing structured transactions for capital management purposes & separately, facilitate access for our investor base to assets generated by our client base
• Managing and servicing the CIB Non-Core book
• Servicing assets which CIB has originated on behalf of other parts of LBG
• The deal screening committee pursuant to which transaction level capital allocation decisions are made for CIB’s lending, trade and structured product businesses

About This Opportunity: This opportunity is to lead our Lending & Risk Management team comprised of c.50 professionals tasked with fulfilling the following responsibilities:

• Risk management of the loan assets in the CIB portfolio
• Asset selection through the deal screening process
• Identifying risk management strategies including loan sales, credit risk insurance, and risk transfers
• Embedding new ways of working across the team, role model embracing change and developing skills of the future
• Developing the vision for the future and work collaboratively with the team and wider group
• Develop a strong team, encouraged to achieve excellence

The Head of Lending & Risk Management will be part of the PM Senior Leadership team (PM SLT). You’ll be responsible for working with the PM SLT to ensure that PM achieves its financial targets with respect to revenues, costs, impairment, capital, and balance sheet.

This is a newly formed team and represents an exciting opportunity to lead a key part of our CSG team as we implement a significant structural change in the way in which we work across both Portfolio Management and more broadly, across CSG.

What You’ll Need:

• In-depth experience in risk, including credit risk, liquidity risk, operational risk, reputational risk, legal risk, and market risk
• Extensive experience with the different client solutions offered by CIB, including corporate lending, structured lending, infrastructure finance, leverage finance, trade finance, debt capital markets, derivatives, FX, cash management & payments
• Good understanding of the different types of clients to which we have exposure including corporates, specialist real estate companies, infrastructure companies, special purpose vehicles, and financial institutions (banks, insurance companies, and asset managers) and the risks specific to these entities
• Strong in crafting long-term plans and envisioning the strategic direction of the team. Capable of collaboratively working with a wide array of partners to achieve this vision
• Excellent partner management skills and the ability to attract and develop top talent
• Make timely decisions even in ambiguous situations where the information provided may be less than comprehensive
• A dynamic leader who thrives on challenges and embraces new opportunities, encouraging the team to embark on an ambitious transformation

And Any Experience Of These Would Be Really Useful:

• External networks providing insight into the broader industry

About Working For Us: Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity, or culture.

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.

And it’s why we especially welcome applications from under-represented groups. We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

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

Ready to start growing with purpose? Apply today.

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.

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