Lawyer, Debt Products Legal (12-mths FTC) in Bristol

Locations: Bristol, Chester, Edinburgh and Leeds

Time type: Full time

End Date: April 30, 2026

Job Description Summary

We have an exciting opportunity for a lawyer to join the Debt Products Legal (DPL) team to advise on lending and overdraft products, largely focused on supporting the Business and Commercial Banking (BCB) business unit. DPL supports secured and unsecured lending and plays a critical role in supporting BCB’s lending and overdraft proposition end to end. There will also be exciting opportunities to support growth, change and innovation across digital channels as BCB evolves.

The role will focus primarily on supporting the BCB business unit but some aspects of the role may relate to CIB (Corporate & Institutional Banking) as we operate as one agile team. We have helped support a simpler customer experience by developing market standard terms & templates with appropriate panel firms and offering solutions using digital platforms & tools. DPL serves as a centre of excellence and business partner, bringing a diverse mix of people, skills and expertise to the Group in managing the legal risks arising from our lending and overdraft products, generating insight and value. We operate as an agile team and there will be opportunities to engage in and influence across the wider range of activities the team supports.

Key accountabilities include:

• Operate as a specialist legal adviser to BCB Stakeholders in respect of lending and security matters in both unregulated and regulated lending;
• Act as a source of professional expertise for business partners and assist with the development of lending product journeys, policy and procedures;
• Provide technical legal input to support delivery of transactions and projects in response to Legal and Regulatory change and continuous improvement, including the digital transformation of BCB products and customer journeys;
• Provide support to our business areas on Legal Risk Management using the relevant risk management policy framework;
• Contribute to reporting of legal or governance issues within our area, inputting to recommended solutions as required;
• Build trust and maintain internal network and relationships to provide appropriate professional advice to achieve the Group’s objectives;
• Positively influence the appropriate use of Legal Panel arrangements, in particular the selection, instruction and supervision of panel law firms and managing exceptions;
• Challenge and influence our partners, and deputise for senior colleagues where appropriate;
• Deal in a consistent manner with sophisticated matters according to scale, scope and specialism;
• Collaborate with the other key legal areas within BCCIB Legal, both to support our business and to positively influence our community as a great place to work;
• Be agile and keen to upskill and willing to support legal, regulatory or other projects across DPL as well as wider BCB & CIB Legal teams, products and businesses.

A qualified lawyer with a current practising certificate in a relevant jurisdiction;

Experience and a good appreciation of the legal and regulatory framework and market practices applying to commercial lending to Business Banking, SME and Mid Corporate customers and related security matters;

Post-qualifying legal experience in the above areas of expertise.

And any experience of these would be great:

A working knowledge or familiarity with the regulatory framework applying to commercial lending, i.e. CCA requirements, MCOB exemptions, the FCA's Consumer Credit sourcebook (CONC) and PRIN.

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 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

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.

With 320 years under our belt, we’re used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers. Here, you’ll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.