Associate, Credit Stewardship

Locations: London, Birmingham, Leeds

Time Type: Full Time

Posted On: Posted Today

End Date: February 11, 2026

Job Requisition ID: 145060

Salary Range: Competitive package available

Flexible Working Options: Hybrid Working, Job Share

About the Opportunity: The Credit Stewardship (‘CS’) team within our Portfolio Management function provides an exciting opportunity to work in a centre of excellence for all front-line credit stewardship activity. You will support client coverage colleagues managing a portfolio of businesses whose annual turnover exceeds £100m. The role provides an excellent opportunity to join a client-facing team, which works closely with both the Corporate Sector Coverage teams, Credit, Delivery and Product partners, to manage all first line credit stewardship for existing and New to Bank.

As part of your role, you will be required to build and maintain strong client relationships with a focus on stewarding new credit requests, annual renewals and variations, reporting on facility excesses and ongoing covenant monitoring as well as managing the handover to Lending Operations to implement facility documentation. This role will primarily support the Manufacturing & Industrials sector team, with the opportunity to develop knowledge across the wider Corporate Sector Coverage teams.

What You’ll Be Doing:

• With oversight provided from an Associate Director, you will have the opportunity to manage first-line credit stewardship activities for a portfolio of clients.
• Key Accountabilities Include:

• Responsible for all first line credit submissions into Credit (Annual Renewals/Variations/Increases) for an assigned sector portfolio
• Review of Financial Information / Ongoing Covenant Monitoring
• Analyse financial information and identify key issues
• Challenge current and future client credit performance including update notes to internal stakeholders and Credit
• Attendance at monthly reporting forums with Relationship Directors and Credit
• Provide Credit with sector insight/monitor trends and market sentiment

• Undertake 1st line credit analysis for all client requests i.e. +1s, covenant re-sets/waivers and amendments and security amendments

• Post-sanction activities - instruct Lending Operations to issue renewal letters/agreements to clients
• Ensure ratings/limits are marked correctly on systems
• Daily Excess Management – review and action all excesses and report to Credit where required

• Develop strong relationships with key partners including Corporate Coverage, Credit, Lending Operations and Product Partners

We’re on an exciting journey and there couldn’t be a better time to join us. The investments we’re making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive.

What You’ll Need:

• Client Experience – applicants require a minimum of 12 months experience in Corporate Banking or related roles
• Experience in complex credit assessment and strong report writing skills
• Financial analysis and controls – ability to interpret client financial information, identify key issues and put in place appropriate deal structures and controls
• Product/Procedural/Specialist Knowledge – a broad understanding of internal processes and knowledge of a wide variety of products appropriate to Large Corporate clients
• Market Knowledge – awareness and understanding of the market environment in which Corporate Coverage operates
• Strong interpersonal skills to build client relationships and manage multiple partners

About Working For Us: 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 offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns.

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
• 28 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’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.