At a Glance
- Tasks: Shape high-value lending decisions using data-driven insights and pricing expertise.
- Company: Join Lloyds Banking Group, a leader in innovative finance.
- Benefits: Enjoy flexible working, generous pension contributions, and 30 days holiday.
- Other info: Inclusive culture with opportunities for personal and professional development.
- Why this job: Make a real impact on UK businesses while growing your career.
- Qualifications: Strong analytical skills and experience in pricing or commercial banking.
The predicted salary is between 78372 - 87080 £ per year.
We support flexible working – click here for more information on flexible working options.
Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours.
Are you a pricing professional who enjoys combining commercial insight, market analysis and stakeholder influence to shape high-value lending decisions? Join our BCB Term Lending Pricing team and play a key role in supporting commercial lending facilities of up to £500m, using data-driven insight and pricing expertise to deliver the right outcomes for clients whilst achieving sustainable returns for the Group.
At BCB Term Lending, we're helping UK businesses grow, invest and create jobs through sustainable, responsible finance. As an Associate Director within our Pricing team, you'll support the pricing of commercial term lending facilities of up to £500m, helping to deliver the right outcomes for clients whilst achieving sustainable returns for the Group.
You will combine market insight, pricing expertise and commercial analysis to shape pricing strategy, influence senior leaders and support key lending decisions across the business.
What you’ll be doing:
- Support the pricing of commercial term lending facilities ranging from £25k to £500m, balancing customer outcomes, risk considerations and sustainable financial returns.
- Analyse market trends, competitor activity and business performance to identify opportunities for growth and competitive advantage.
- Develop pricing strategies and recommendations that support business objectives and influence lending decisions.
- Produce weekly and monthly reporting, management information and performance analysis to provide meaningful commercial insight.
- Develop and enhance Power BI dashboards and reporting tools that support data-driven decision making.
- Partner with Relationship Managers and senior leaders across Product, Risk, Finance and Coverage teams to support strategic transactions and key business initiatives.
- Translate complex financial and performance data into clear recommendations, business cases and strategic proposals for senior leaders.
- Ensure robust governance, controls and continuous improvement are embedded throughout the pricing framework and lending journey.
Why Lloyds Banking Group?
If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.
What you’ll need:
- Excellent numerical and analytical skills, with advanced Excel capabilities and experience using Power BI to generate insight and support decision making.
- Strong commercial judgement, with the ability to balance customer outcomes, growth opportunities and sustainable financial returns.
- Excellent partner management and influencing skills, with the ability to translate complex data into clear recommendations for senior audiences.
It would be useful if you had...
- Experience within Business & Commercial Banking, Corporate Banking or commercial lending.
- Proven pricing experience within banking, lending, financial services or a comparable commercial environment.
- A professional accountancy qualification (ACA, ACCA, CIMA or equivalent) and strong financial competence.
- Knowledge of lending products, pricing governance and risk management frameworks.
- Experience using Group Data Warehouse (GDW) or similar enterprise data platforms.
We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.
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.
If you’re excited by the thought of becoming part of our team, get in touch. We’d love to hear from you!
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.
Associate Director, BCB Term Lending Pricing in Edinburgh employer: Lloyds Bank
Lloyds Banking Group is an exceptional employer that champions innovation and inclusivity, offering a dynamic work environment in vibrant cities like Edinburgh, Glasgow, Birmingham, and Bristol. With a strong focus on employee growth, flexible working options, and a comprehensive benefits package including generous pension contributions and wellbeing initiatives, we empower our team to thrive while making a meaningful impact in the financial services sector.
StudySmarter Expert Advice🤫
We think this is how you could land Associate Director, BCB Term Lending Pricing in Edinburgh
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Lloyds Bank. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Associate Director, BCB Term Lending Pricing in Edinburgh
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Lloyds Bank.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Lloyds Bank's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Lloyds Bank
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Lloyds Bank.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Lloyds Bank will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Lloyds Bank employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
