Stephen OgbornCommercial Banking – Client Coverage, Regions
I'm Stephen Ogborn and I'm a Relationship Director within Mid
Markets, and I'm based in Southampton. My perception of Lloyds
before I joined was probably driven by my experiences as a personal
customer. I'd been a retail customer for a number of years and had
always seen Lloyds as a friendly place, a bank which is UK centric
and focused on customer service. I think what really attracted me
to the scheme in the first place was the opportunity to combine
lots of different placements to get a nice breadth of experience
across the bank, and that's something that some other schemes that
I looked at actually didn't offer, so for me that was really a
I work within Mid Markets, which is part of Commercial Banking.
We regularly have meetings and dialogue with business owners and
managing directors and finance directors, and to be part of a local
business journey is something truly special - it really means
something. I enjoy partnering with a company and seeing where my
client goes over the years that we work together.
The key skills that I've developed over the last few years in
this division, first and foremost are the ability to build
relationships, fully getting alongside our customers, understanding
their needs, knowing their business inside out. Ultimately, as a
Relationship Director, you're responsibility is for the whole
customer relationship, so your ability to see the wider perspective
is also a key skill to develop.
I think as a graduate you are on a very steep learning curve but
I think you find within yourself that actually if you apply
yourself, if you seek the support of others, you can actually rise
to those challenges and perform.
One of the key elements of the support network that you gain
when you come on the graduate programme is a buddy, and I'm still
friends with my buddy today. Your buddy is someone in the year
above you on the graduate programme that you can chat to, you can
ask questions of, and I think that's absolutely invaluable in those
first few weeks. I really appreciated the openness of people to
engage with other teams, and for others to teach you. There's a
strong focus on learning and development, on your own personal
development, and I think that is something, when I speak to others
at other banks, that Lloyds does extremely well.
Lloyds has supported me in my career, and I've had an exciting
career to date in terms of the progression that I've had. When I
look ahead to what the next few years hold for me, that's an
exciting prospect, too.
Oliver WalshGeneral Management – Consumer Finance
I'm Oliver Walsh and I work in Consumer Finance division. I
chose to join Lloyds because I studied Economics at university and
a career in the financial services industry really appealed to me.
My current role is leading the Business Development Team for Asset
Finance, within the Consumer Finance division. My team works on
strategic initiatives to build our new customer propositions for
the market, within that we utilise customer feedback and market
research, to build products that meet our customers' needs.
Lloyds is a fantastic company to work for. Since joining I've
had a number of opportunities to develop both within and also
outside of my role. This has ranged from attending leadership
courses to entering team-based adventure racing competitions. More
recently I've started studying professional qualifications, which
will hopefully help me in my future role.
I completed the graduate scheme a couple of years ago. One of my
favourite placements was leading a Customer Service team. I really
enjoyed the opportunity here to work closely with the local
community. In addition to my role, I was involved in fundraising
for a local respite home and also conducting mock interviews with
school leavers, supporting their future career development.
The advice I'd give to students is make sure that you understand
the markets that we operate in, and get to understand some key
performance indicators both of Lloyds and also the Consumer Finance
division. Within your application you need to demonstrate how your
strengths are particularly suited to the role that you're applying
for. In consumer finance the key areas to focus on are
entrepreneurial and commercial skills. Consumer Finance is a really
exciting division to work in, there's plenty of opportunities ahead
and I'm really keen to be involved in that growth.
Bev JoughinGeneral Management – Retail
I chose Lloyds Banking Group because I felt that the programme
offered a varied experience and the opportunity to work in
different places across various different parts of the business and
that really interested me. Also, I really wanted to work for
a large organisation with lots of opportunity for development and I
felt that Lloyds, being such a large company, would offer me
I work within the Retail Division which really is the core
division of the bank, providing services to individual customers
across our three core brands: Lloyds Bank, Halifax and Bank of
I work specifically within the Wealth Department as a Private
Banking Manager and my role is to look after a portfolio of around
300 clients that I'm the main point of contact for within the
On the Graduate Programme, first of all in the first week there
was a structured induction, where you get to meet all the other
graduates. Everybody's in the same boat and your make lots of
friends in that first week and that really settled my nerves.
There's also lots of networking opportunities through lots of
different departments of the bank and with a lot of access to
senior management and senior leaders particularly whilst on the
One of the placements that I undertook whilst on the Graduate
Scheme was in a Halifax branch in Cambridge and I was the Customer
Services Manager in the branch. It was really valuable for me
to understand what it's like working in a branch and their goals
and their targets, but also understanding really what the customer
wants by face to face interaction which I think is such an
important grounding for any role within the bank.
Next steps for me? I'd like to move into a leadership
position in a strategic capacity. I've always been very
interested in strategy but I do feel that it's difficult to do
strategy unless you've actually had experience on the frontline and
interacted with customers and that's why I think it's so important
that graduates get branch experience on the Graduate
When I was thinking about what career I wanted to do, I was very
lucky that my school had done a career aptitude test, and that
generated a range of jobs your aptitudes were suited to. From that
list six of the jobs were financial services or banking, so when I
started looking and researching, the Lloyds scheme really appealed
to me. It had a wide range and depth of opportunity: from going out
and seeing customers to customer facing roles to back office
support functions - so really giving the opportunity to explore the
depth and breadth that a bank could offer.
The Lloyds scheme gave me the opportunity to experience a wide
range of different job types and experiences, which really sold it
to me. My current role's within Risk division - I rolled off the
graduate scheme into a permanent job in Risk.
I work in a team called EU State Aid Reporting, so we're
responsible for monitoring and reporting how the bank's doing on
its state aid commitments. This role gives me brilliant exposure
across massive projects within the bank, and it's given me the
opportunity to see very much group-wide how the bank pulls together
when it needs to, to report various aspects of a business.
In Risk division you sit at the heart of what the group is doing
so you get to see group-wide strategic initiatives. This means I
get to see projects that span across the group that affect not only
different businesses with inside Lloyds but also our customers and
our shareholders. Obviously this exposure and experience gives me
great insight into what the bank is doing.
One of the best things about working at Lloyds is the fact that
everyone does work together. It's a very good atmosphere, it's a
very friendly atmosphere, and people really want to work together
to deliver what the bank needs to achieve. The bank's set a vision
to become the best bank for customers, and the only way that we're
really going to be able to do this is if, as an organisation, the
colleagues inside really pull together to deliver what's
My name's Sophie Wright, and I'm on the IT scheme. I chose to
join Lloyds because I've always had an interest in the financial
services industry, and I found Lloyds attractive because it was the
biggest bank in the UK. I thought it would give more diverse
opportunities. Also I really liked the bank's core values,
and I felt that this showed off an inclusive culture.
I'm on the IT scheme. The scheme is two years in length and
consists of four six month placements. These are in application,
development and maintenance, service delivery, enterprise
architecture design, and group IT operations. The great thing about
the IT programme is that you get to see four different elements to
the IT project life cycle. The role I'm currently in is in
enterprise architecture and design. Here I've owned a project to
define the user experience strategy for applications used by branch
and group operations back-end staff. I've had weekly catch-up
meetings with my line manager, who always has time to help. It's
great to know that if I ever have a question I can ask anyone
around me and any of my team would be happy to help.
I'm halfway through the graduate scheme so I have one year left,
which means two more placements, which I'm really excited about.
When it comes to rolling off the scheme, at the moment I think I
would like to do something in user experience. I've really enjoyed
the project that I've been working on and it's opened my eyes to
something that I didn't know existed before starting the
When it comes to applying for jobs on a graduate scheme, my one
piece of advice is to not go for the mass application approach. I
think it's really important that you want to work for the company
and you want to do the role, and I think when you research and look
into it more, it really shows in your interview.
Tom LynchGeneral Management – Group Operations
I'm Tom Lynch, and I work within Group Security and Fraud, which
is in Group Operations. I originally applied shortly after Lloyds
TSB merged with HBOS, and I thought it was a great opportunity to
get involved in a completely new organisation that had recently
become the biggest retail bank in the UK. I thought there'd be a
lot of opportunities to help shape the future of the bank and help
it become the best bank for customers.
Group Operations is responsible for a really wide remit, and we
provide the support and technical expertise needed to meet
customers' needs on a day to day basis. In my current role I work
within Intelligence and Analytics within Group Security and Fraud.
Our team is responsible for identifying and reporting any emerging
or trending threat, to help formulate responses.
I had a great experience as a graduate at Lloyds Banking Group.
The different placements that you do give you a real breadth of
experience, and enable you to make a much more informed decision
when it comes to the end of the scheme when you're looking for
There's a really open and friendly atmosphere in all the teams
I've been in, and there's always a lot of networking opportunities
available. There's always great opportunities for socialising, as
well, and I always feel like I can have a laugh with my colleagues
in or out of the office. I can definitely see myself working at
Lloyds Banking Group for the long haul - it's a really great place
to work. I've got colleagues who've been here for a number of years
and they still absolutely love every day.
I can definitely still see myself within Group Security and
Fraud. There's a lot of different opportunities, and I feel like
it's a great place to work to improve customers' experiences and
safeguard their financial security.
The size of Lloyds Banking Group and the diverse nature of the
various divisions means there's so many different roles coming up
every day that are absolutely fascinating, so I could easily see
myself moving sideways, as well. Besides the day job, thanks to the
size of Lloyds Banking Group and the opportunities given to
graduates, there's sometimes the opportunity to get involved in
something that goes above and beyond the graduate scheme.
For me the best opportunity I ever had was to work at the London
2012 Olympics in the Media Centre representing Lloyds as one of the
official sponsors. My shift ran from Super Saturday all the way
through to the evening of the closing ceremony. It was a
truly once in a lifetime experience and something I'll never
Maddie DakinGeneral Management – Insurance
I chose to work for Lloyds Banking Group because it's such a
huge company. I'd only ever worked for family run businesses
before, so what attracted me to Lloyds Banking Group was the scale
of the organisation and the amount of opportunities that would come
I currently work in insurance, which is a great part of Lloyds
Banking Group because we provide for millions of
I had a variety of placements on the Graduate Programme which
gave me some great experience. One of my placements on the
Graduate Scheme was in General Insurance and I worked in a direct
contact centre. There were hundreds of colleagues answering
the phones to customers, specifically regarding home insurance,
buildings and contents insurance. My role there was as a Team
Manager, so ultimately I was responsible for about 20 colleagues
and it was really a great experience for me, I learnt a lot about
leadership skills and it really boosted my confidence. I also
learnt a lot about myself and I learnt a lot about teamwork and how
important it is to lead a team. It showed me what I really
enjoyed. It actually showed me what I was good at and what I
wasn't maybe so good at and that really helped me decide where I
wanted to go at the end of the Graduate Scheme and created the
pathway and the vision for me on where I wanted to go next.
As a graduate you get lots of support as part of the Graduate
Programme. In my placements and especially in insurance, my
line managers were fantastic in helping me and they gave me a lot
of responsibility that I was able to handle. If there were
any moments where I had a lack of confidence they were always there
to support me and give me some great advice.
One of the fantastic things about the Graduate Programme is the
qualification that you get alongside it and line managers are
really supportive in that they help you get that training and that
extra background to push you forward in your career.
There are loads of additional activities that you can take part
in while you're in your placement on the Graduate Scheme. One
of the things I got involved in was fundraising for charity and it
was great because it gave you a chance to really develop your
network and it also helped you give back to the community.
I chose to join Lloyds Banking Group after university, simply
because having studied accounting and finance, it made logical
sense for me to then move into the financial services sector. With
Lloyds being one of the biggest banks on the high street, I thought
it could potentially offer me the most opportunities.
I work in Group Audit, which is the third line of defence within
Lloyds Banking Group. The objective of Group Audit is essentially
to provide assurance to senior leadership team. We're wholly
independent, so we're able to provide them with the comfort that
the business units and the divisions that they look after, are
controlled effectively and providing the best service to our
I think one of the best things about working in Group Audit is
that you actually get to work across such a breadth of different
organisations, we can essential go in and do an audit wherever we
choose, wherever we want. So while I was on the graduate scheme I
literally covered every single division, in some way or form. It
really proves that audit has such a far reach and such an influence
over the entire organisation.
I think the graduate programme was a great way of transitioning
from university into work. You've joined with hundreds of like
minded graduates, who provide you with a great peer network and a
great bunch of friends to go out with. You'll find that you've also
got a great support network, be that your line manager or your
development manager, and at the same time you get to study towards
a professional qualification, which for me was the ACCA.
Lloyds Banking Group has got a great culture of building
relationships, be that with the customer or in my role with senior
management throughout the organisation. We're very open, we're very
transparent and that behaviour is encouraged. I think another
aspect which I really enjoy about the Group, is the fact that we
get to give so much back to our community. One thing we do is every
single colleague gets a day a year to actually go out and give back
to the community - it's called their Day to Make a Difference.
When you join the graduate programme you're provided with a
buddy or mentor, and that's probably a graduate from the year
before you, who can just provide you with a bit more guidance about
any questions that you have. I think the buddying system at Lloyds
is really good, and because your buddy or your mentor has already
been through the graduate programme themselves, they have an idea
of the kind of questions that you'd like to ask and they know what
it's like to move round placements. It's really good that you've
got people that you can ask on a programme.
I think that's one thing that I've been really impressed with
within the bank, is the visibility of senior leaders. Everyone's
really approachable, and senior leaders are really happy for you to
contact them or put time in their diary for a chat. It's not very
hierarchical, certainly not as much as you'd expect from a company
as big as Lloyds. It feels very welcoming and a very friendly,
While I've been on the graduate programme I've had the chance to
get involved in lots of community initiatives. I've taken part in a
Day to Make a Difference in the community, where a whole team went
along to a hospice in the South West, and we were painting fences
and doing some gardening and generally making over their garden for
them. I've also been involved in various pieces of fundraising from
cake sales to running a half marathon - everything to support the
charity of the year, which is Save the Children.
I've definitely been really impressed at how the bank promotes
community involvement, and I think for a really large company,
Lloyds has got a really impressive social responsibility ethic, as
When I first joined Lloyds I came in through the internship
route. During my second year of university I went to a
careers fair and found out about the Lloyds internship, thought it
sounded great, applied and got through the assessment
centres. I started that in June 2010 and from then on I got
an offer onto the Graduate Leadership Programme for finance.
This consists of four placements across three years in which you
also study towards a professional qualification. The
qualification I do is CIMA.
My first placement was based in Bristol in Commercial Banking
Finance. It was a really good start for me in Lloyds because
it taught me about the core finance function within Lloyds Banking
Group, what finance means for Lloyds and also having had no
accounting experience, it provided me with that.
I really enjoy the Finance Graduate Programme because you're
provided with a unique opportunity to support the finance function
throughout the business in multiple divisions.
As a graduate you are also provided with the chance to get
involved with multiple activities that are not necessarily directly
involved with your business's usual role. For example,
charity initiatives where you raise money for Lloyds Banking
Group's Charity of the Year.
The culture at Lloyds Banking Group is especially customer
focussed. You are also provided with a really valuable
support network from both in your role and on the graduate
Currently I'm in the finance team supporting the simplification
programme which is a group wide initiative and is all about
simplifying the processes for our customers. It's great being
in a non customer facing role but still being able to support our
overall mission to be the best bank for customers.
There are a number of pieces of advice I would give students
applying to the Lloyds Banking Group Graduate Programme.
Firstly do your research on Lloyds Banking Group itself and
secondly understand the market that we operate in and the current
challenges being faced.
Tanjeet AroraCommercial Banking – Products
My name's Tanjeet Arora, I am part of the Commercial Banking
Product Graduate Scheme. My initial impression of Lloyds was really
limited to its high street presence, I saw Lloyds as being a high
street bank, with branches - I really didn't know anything beyond
that. I actually had some friends who are already on the Graduate
Programme at Lloyds and they were telling me about their
experiences and about how the commercial banking division was
really growing. And I felt that you don't really have many
opportunities in your career to be part of a growing business,
particularly in banking and that was what really drew me to Lloyds.
I came for that opportunity.
So I'm part of the Commercial Banking Product Programme and what
that means is my focus is really on the product offering of Lloyds.
I've done two placements so far, my first one was in market
strategy, which was a research position. My next placement, which
I'm coming to the end of, is in the capital markets analyst group.
I think the real advantage of being on a rotation graduate
programme, like you get at Lloyds, is that you don't just get to
see different product areas and you don't specialise too early, but
you have the chance to look at various different areas of the
business and really learn how a commercial bank works.
Lloyds has some really good development opportunities, as a
graduate you start your programme with a short training course,
where it's almost an introduction to being a banker, as well as the
products that Lloyds offers. That means you do have some technical
knowledge when you start your role. Following that over the next
couple of years you have a lot of on the job learning. You almost
learn as you go and pick up new skills almost every day.
Working at Lloyds is challenging, but it's a really, really good
experience. It has a really collegiate culture, everybody is really
helpful. If you ever need some help with a particular task, there
is always somebody that you can turn to, whether they're one of
your peers or someone a little bit more senior. You get really good
senior management exposure. As a graduate you almost have licence
to go up and talk to someone more senior than you and find out, not
only about their role, but how they got to that role and what their
history has been.
Being the best bank for customers is one of Lloyd's values and I
think you're very conscious of that even as a graduate. In my
current role I always have to think how am I best serving our
clients? And how am I best enabling them to meet their
Peter O'HanlonCommercial Banking – General Management
I chose to join Lloyds while I was in the final year of
university. I knew I wanted to go onto a graduate scheme, and it
was important for me that I had quite a range of development
opportunities that I could choose from. There were a number of
things that were important to me: the number of placements, the
length of time, who was there to support me whilst I was on it. The
crux of it all was what was going to offer me the steepest learning
curve and how were they going to support me? And for me,
Lloyds offered all of those.
I'm a Programme Manager within the Change Management function of
Commercial Banking. That essentially entails managing groups of
projects that will alter or change the way that the commercial
banking division runs. For not only our staff, but also for the end
customer, that's always at the heart of all the change programmes
that we deliver.
When I was in my final placement of the Graduate Programme, I
was placed into Group IT, in the Wholesale IT function, as a
Programme Manager. Similar to the role I'm doing now, this was the
placement the role that really made it for me. This was a period
where I was given far more responsibility, but with the support to
back it up, which was the absolutely vital element that made that
placement a success for me.
If I was to sum up the culture of Lloyds Banking Group, I'd do
it with one word, - supportive. Not only are you supported in your
development and through your day to day work objectives and your
tasks, but in everything outside of work as well. There's a great
work life balance that's been developed here, which is great when
compared to the stereotype of the rest of the financial services
industry. In terms of day to day work life balance, it's absolutely
fantastic in the way that you're given the opportunities to do your
work, within the hours that fit your lifestyle.
Then there's the support in terms of your day to day tasks where
there are things like mentorship programmes and senior managers who
are there and on hand with open door policies for you to go and
speak to and who will absolutely make sure that you're getting what
you need to do your job well.
Katie PorterCommercial Banking – Client Coverage, London
On my final interview I met two senior females from the bank,
both who are very inspiring characters. They've had fairly
long-term careers both with Lloyds and outside of Lloyds, so they
really made me want to join banking and join Lloyds Banking Group
I think for people who don't work at banks, who know Lloyds just
as a retail bank on the high street, in particular the product
side, so the Capital Markets division and the Markets division
itself have had a lot of investment. As well as people brought in
externally, lots of new graduates have been brought on board to be
developed for their future careers.
At the moment I'm on my sixth month relationship management
placement. I've really enjoyed that because I get to work with
clients and financial institutions from across the UK. The team's
really fun, and it's quite a steep learning curve at first, but I
love interacting with people and representing the bank. When I
first joined the bank it was a combination of both excitement and
nerves. Having never worked for a large institution before, you
don't really know what to expect. I think I probably had some
preconceptions, as well, about what it would be like, but since
having joined, obviously everyone's very friendly and they're happy
to help you learn and I've had a really good time.
My preconceptions about banking have been changed. I've realised
it's not all men and you're not working till 10pm every night, and
actually what you do or, in particular, what Lloyds does a lot of,
which is lend to clients, is a very social thing. I think for those
who are new to their career, there's a lot that's probably
Lloyds is very supportive of young females who join the bank.
There's the Breakthrough committee, and also for the female
graduates you get quite a lot of attention in getting involved in
different events and mentoring other females who are looking to
come into the industry.
For any students applying for Lloyds Banking Group or any
graduate scheme I think it's very easy to become fixated on the
technical elements of your application, and I think it's often
overlooked that you need to be a well rounded human being. You need
to have life experience because you will be working with people
both in the bank and with clients. It's very important to be
technically strong but also to have the soft skills that mean that
you can get along with people, as well.