Associate Director - Asset Finance & ABL

About this opportunity

We’re seeking an Associate Director to join the Asset Finance sales team within our Corporate Trade and Working Capital (T&WC) team. This is a great opportunity to play a crucial role in the origination and development of Asset Finance and ABL transactions to our “CIB” (Corporate and Institutional Banking) clients. CIB serves all UK corporates turning over more than £500m per annum, and all Lloyds’ Institutional Banking clients (e.g. specialist SME lenders through to international banking groups).

This role sits within the Asset & Invoice Finance Sales team, a subject matter expert specialist sales team; focusing on business development and delivery of the asset finance and invoice finance/ABL products to the whole of CIB’s client base; principally within the UK, but with a developing focus on US and Europe as well. The Asset Finance product set covers finance lease, operating lease, hire purchase, term loans, ABL and contract receivables; and there is a particular focus on building on these base products to develop bespoke and structured solutions for our clients.

The wider T&WC team is a cross‑sector product team providing our CIB clients with working capital and lending solutions across not only Invoice Finance, but also Traditional Trade, Open Account (including Receivables, Payables, and Asset Backed lending), Structured Trade and Commodity Finance and Asset Finance.

Your accountabilities will include:

• Work and build active relationships with CIB relationship and T&WC sales teams across the bank to build innovative Asset Finance solutions for new business opportunities to existing and new to bank clients.
• Using Asset Finance and structured lending solutions to help deepen the bank’s client relationship.
• Working with your immediate team and the Head of CIB Asset & Invoice Finance to define the sales strategy, delivery and business plans for the Asset Finance team and wider T&WC product set.
• Finding and developing relationships outside the immediate team to help build sales opportunities and pipeline, both internally (e.g. relationship teams and T&WC colleagues) and externally (e.g. debt advisors and other financial institutions).
• Present Asset Finance and structured lending solutions directly to clients (at C suite level), external advisors, and our internal relationship and sales teams.
• Work with the T&WC Product teams to enhance, create and develop our suite of products.
• Actively maintain product relationships within the portfolio of existing and agreed target clients.
• Meeting Group risk and profitability requirements to deliver targeted growth in the T&WC business in terms of Income and Assets.
• Manage your performance within a sales and target led environment.
• Maintaining a full understanding of our product sets including but not limited to Traditional Trade, Open Account (including Receivables, Payables, Invoice Finance and Asset backed lending), Structured Trade and Commodity Finance and Asset Finance.
• Prepare and submit product specific credit applications in conjunction with Coverage, aligned with defined strategy and engage with colleagues in Product, Delivery, Lending Execution and Risk as appropriate.

About Us

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:

• 3+ years of experience and strong understanding of the Asset Finance and ABL product as well as a good understanding of corporate finance and lending structures.
• Experience in originating, structuring, and completing solutions for large corporate / investment grade clients with a proven track record in partnering and delivering direct business development.
• Experience of working in a corporate client facing role, interacting directly with large corporate clients and their advisors at a senior level.
• Experience and understanding of general lending requirements for large corporate clients.
• Confidence to present ideas clearly to credit partners, collaborating effectively to close successful transactions.
• Ability to balance business development with a strong risk management ethos.
• Willingness and ability to be flexible to suit business and client requirements, including frequent travel both to the main London office, but also to client premises around the UK.

This is a place for you:

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we’re committed to creating an environment in which everyone can thrive, learn and develop.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual bonus award, subject to Group performance
• 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

This is a once in a career opportunity to help shape your future as well as ours. Join us and grow with purpose! 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.

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.