Director, Head of Core Origination & Structuring – Real Estate

Location: London / Manchester / Birmingham

Salary: Competitive package

Hours: Full time

Working Pattern: Our work style is hybrid, which involves spending at least three days per week, or 60% of our time, at our London office / out with clients.

About This Opportunity: We're committed to using our scale, capabilities and partnerships to help shape the Real Estate communities of tomorrow. We're looking for a high-impact Director to establish and lead a newly created team focused on delivering strategic financing solutions across the commercial real estate market. Working closely with Relationship Directors, you'll combine origination, structuring and credit expertise to support a broad range of clients across investment and development markets, helping them achieve their ambitions whilst balancing client outcomes, risk and returns. As the leader of this capability, you'll set strategic direction, drive debt financing opportunities and build a high-performing team. Working across a diverse range of real estate asset classes, you'll develop innovative solutions that support client ambitions whilst balancing growth, risk, profitability and decarbonisation priorities. You'll nurture senior relationships, champion the One Lloyds franchise in the market and play a key role in shaping the future of our Real Estate business. It's an opportunity to build and lead a growing capability, influence strategic client outcomes and deliver complex financing solutions that support business growth and the built environment of tomorrow. This is an SMCR-certified role. As part of the role, you'll be required to complete the necessary training and achieve accreditation.

What You'll Be Doing:

• Leadership & Team Development: Establish and lead a high-performing Core Origination & Structuring team, setting strategic direction, embedding a strong risk and performance culture, and supporting the development of colleagues whilst contributing to the broader Real Estate & Housing agenda.
• Origination & Client Growth: Drive origination activity across the core commercial real estate market, collaborating with Relationship Directors to uncover opportunities, develop prospect pipelines, win new business and deliver tailored financing solutions for new and existing clients.
• Client Relationships, Structuring & Credit Leadership: Build and strengthen senior client relationships across a broad range of real estate clients, providing credit and structuring expertise to deliver funding solutions that balance client needs, risk and return.
• Transaction Execution & Risk Management: Oversee transactions from initial opportunity through to completion, including structuring, financial analysis, due diligence and negotiation of commercial terms, ensuring effective risk management and high-quality credit, pricing and documentation standards.
• Collaborative Product Delivery: Partner with Coverage, Specialist Origination & Structuring, Asset Management, Capital Markets and product teams to deliver tailored financing solutions, maximise broader Group capabilities and ensure strong governance throughout the transaction lifecycle.
• Commercial, Regulatory & ESG Stewardship: Support delivery of business plans and sustainable growth, whilst ensuring compliance with regulatory requirements and helping clients progress their ESG and Net Zero ambitions.

Why Join Us: We’re transforming at pace. Investing billions in our people, data and tech to change the way we meet the needs of our 28 million customers. We’re growing, and we’d love you to be part of the journey.

What You’ll Need:

• Real Estate Market Insight: Significant experience (typically gained over 10+ years) within the UK Real Estate sector, including developer, investor and living-sector markets. Strong understanding of market trends, credit risk, debt structuring, legislation and government influence.
• Senior-Level Client Relationship Skills: Significant experience (typically gained over 10+ years) managing and growing senior client relationships, with the ability to influence at C-Suite level across FTSE-listed and large privately owned businesses. Established network and a strong track record of originating and growing business opportunities.
• Leadership in Financial Services: Experience within Corporate and Institutional Banking or a comparable financial services environment, including leadership of people and teams.
• Strategic, Credit & Structuring Expertise: Strong credit assessment and debt structuring experience, with the ability to develop commercially attractive solutions that balance risk, return and client outcomes.
• Influential Communicator & Collaborator: Excellent communication and customer leadership skills, with the ability to influence and work effectively across teams.
• Regulatory & ESG Awareness: Knowledge of MiFID, Financial Promotions and FCA requirements and a passion for helping clients progress toward Net Zero.

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.

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 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. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need. 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

Additional Information: This role is considered Certified under the Senior Manager and Certification Regime as either requiring mandatory qualifications or being deemed as a role capable of providing ‘significant harm’ to customers. Due to this, successful candidates will be subject to enhanced levels of vetting, and required to complete a fitness and propriety attestation on commencement in role. Colleagues performing this role will be required to be complete a fitness and propriety attestation on an annual basis and will also be subject to additional routine criminal and credit checks. As a certified colleague your details will be published on the FCA’s Financial Services Register.

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'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.