Capital Optimisation and Securitisation Associate

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Salary Range

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Job Description Summary

Job Description

JOB TITLE: Capital Optimisation and Securitisation Associate

SALARY: £78,849 - ££96,371

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, at one of our office sites.

About this opportunity

Asset Optimisation is a dynamic and fast-paced team in Group Corporate Treasury. The team supports the Group’s strategic objective to deliver greater capital efficiency across the business through asset balance sheet optimisation activities.

To achieve our aims, you'll collaborate with teams across Group business units gaining valuable insight into the products that they write and the asset-side balance sheet constraints that they face. You’ll use your knowledge and technical skills to find opportunities to address these constraints allowing the businesses to continue to grow, thrive and achieve their goals.

In this role you'll gain a fascinating insight into the various businesses and how regulatory capital, stress testing and accounting treatment impacts Group performance.

We’ll also need you to apply your skills to implement and lead securitisations from a modelling and stakeholder management perspective to deliver these strategic initiatives at pace.

 Our responsibilities include:

• Completing securitisation transactions to meet capital optimisation requirements and ensure accounting, regulatory implications are captured appropriately

• Finding opportunities to improve our balance sheet, making recommendations to senior management on matters such as enhancing returns, RWA reduction, exposure mitigation and stress test impact

• Owning and developing the Group Securitisation and Significant Risk Transfer policy to ensure appropriate oversight of all Group securitisations, engaging both internal and external partners, for example the PRA

• Understanding changes to relevant regulations to ensure the Group is prepared and makes well informed decisions to mitigate any risks

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

• Highly motivated and delivery-focused

• Strong analytical skills, including cash flow modelling for the securitisation transactions

• An understanding of the bank and its balance sheet, a curiosity about balance sheet optimisation and its interaction with other Treasury and Group activities

• Bringing some expertise in securitisation, technical accounting or a good understanding of economic return metrics such as RWA or leverage

• A consistent track record of building collaborative relationships, and the ability to influence key partners

• Excellent written and verbal presentation skills

• You'll have a passion for improving processes, being able to prioritise and work at pace

About working for us

Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We’re committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best.

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.

As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern.

We are proud to be a Disability Confident Leader. If you have a disability, you can also apply via our Disability Confident Scheme (DCS). Through the DCS, we guarantee to interview a fair and proportionate number of applicants with a disability, whose application meets the minimum criteria for the advertised job role.

We also provide adjustments that are reasonable throughout the recruitment process to reduce or remove barriers for applicants with a disability, long-term health condition or neurodivergent condition. If you’d like an adjustment to the recruitment process just let us know.

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.