Associate Director, Asset Management, Real Estate and Housing

End Date Thursday 05 February 2026 Salary Range £0 - £0 We support flexible working – click here for more information on flexible working options Flexible Working Options Hybrid Working, Job Share Job Description Summary . Job Description JOB TITLE: Associate Director, Asset Management - Real Estate and Housing LOCATION: London HOURS: Full-Time WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week or 40% of our time, in our London office. About this Opportunity Join our Asset Management team, a dynamic and client-facing function responsible for managing a £20bn+ loan portfolio within the Real Estate & Housing sector. Working closely with Coverage, Structuring, Credit Risk, and Portfolio Management teams, we deliver exceptional client service and robust risk management throughout the loan lifecycle. This is a multi-dimensional role that combines Asset Management, portfolio reporting, and change management. You’ll take ownership of a commercial real estate (CRE) portfolio, ensuring optimal performance, proactive risk mitigation, and alignment with the bank strategic objectives. You’ll also support the Asset Management Director in enhancing processes, adopting new systems, and improving portfolio reporting. What You’ll Be Doing Delivering a best-in-class client experience from loan close through to refinance. Managing the full lifecycle of loan events including consents, extensions, additional borrowings, refinancings, covenant amendments, and annual renewals. Liaising with legal counsel and internal execution teams to ensure seamless transaction delivery. Reviewing client financial reporting and extracting key insights from management information and covenant compliance schedules. Engaging directly with clients on loan and risk-related matters in collaboration with Coverage colleagues. Identifying early warning signs of credit deterioration and presenting findings and recommendations at portfolio reviews. Using data analysis and manipulation skills to enhance portfolio reporting and develop meaningful KPIs. Why Lloyds Banking Group? We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone. Including you! What You'll Need Strong experience in Real Estate finance or a related sector, with expertise in financial analysis, credit report writing, LMA documentation and risk management. Advanced Excel skills and financial modelling Excellent written and verbal communication skills, with confidence in presenting to CIB committees and engaging with clients and senior stakeholders. Proven ability to manage priorities effectively in a fast-paced, collaborative environment. Line management experience with a passion for coaching and developing others. Desirable Experience Background in portfolio management and familiarity with risk mitigation strategies. Knowledge or experience within the Housebuilder or Housing sector. 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 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 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.