📍
Birmingham, UK

Business and Commercial Banking Graduate Scheme

Graduate Program
Finance
Finance
Posted:
December 28, 2025

Lloyds

UK-based retail and commercial bank
74.7
Palpable Score
Apply >view company >

End Date

Saturday 25 October 2025

Salary Range

£45,000

Before you start your application, please note alternative formats are available on request. Please contact us by emailing lloydsbankinggrouptalent@peoplescout.co.uk or calling on 0345 330 4576. If emailing, please tell us how you would like us to respond - we can email back or call you to discuss any requirements or concerns you might have. We will get back to you as soon as we can but during busy times, it might take up to 5 working days (Don't worry, this won't affect your progress in the application process)

Job Description Summary

Prior to submitting your application, please visit our early careers website to find out more about the schemes we offer and the recruitment journey: www.lloydsbankinggrouptalent.com.Our graduate schemes may close early if we receive a high number of applications, so it’s best to apply as soon as you can.If you have any questions, please do contact the team at lloydsbankinggrouptalent@peoplescout.co.uk

Job Description


Help get the economy back on track


Want a role that means more? Join us on our mission to Help Britain Prosper and support UK businesses.


Right now, what we do matters more than ever. We create and deliver all kinds of financial products for businesses of every size and shape. We help them manage risks, become more sustainable, innovate, bring on new talent, and grow.

Finding solutions, embracing tech
When world events shake up markets, we're quick to collaborate and find solutions. We're flexible and excited to embrace new tech to improve the way we work. With our goal of finding even better ways to help our customers and businesses become more sustainable, this is a program you'll be proud to be part of. And you don't need a banking or finance degree.


Growth
From day one, your perspective is valued and it’s real work that matters, helping real businesses grow.  It’s real responsibility.


Specialities
You'll dive into all kinds of specialties and build a solid toolkit of skills, including:  Working directly with Business & Commercial clients – understanding what they need and building relationships that last  Getting to know our range of products like lending, foreign exchange, payments, and merchant services


Teams
Teaming up with engineers and experts to make our products better and create smoother experiences for customers


Learning
Learning how we handle risk across the business (think credit underwriting and conduct controls) to support customers and make finance a positive force


Mentor
A buddy or mentor will support you and offer guidance throughout the scheme. Access technical and business-aligned training. Further support your development via platforms such as Viva Learning and Learning Management systems.


Skills
Grow your skills through our development opportunities. Connect with colleagues, build your network, and make a difference. Build the career you want in our inclusive, growth-focused culture.


The work you could be doing
• Meeting clients to understand their needs and how we can support them. 
• Helping teams pitch for business, develop leads, and make introductions. 
• Working on deals within a team of experts. 
• Monitoring market opportunities and generating trade ideas. 
• Developing financial business cases for investments and initiatives and supporting pricing and trading. 
• Supporting efforts to break down barriers and build a more inclusive society.


Benefits
We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual bonus award, subject to Group performance
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 28 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies


Qualifications:
Study for a relevant professional finance qualification such as Global Credit Certification (GCC) with the opportunity to take a further qualification in the second year of the programme. Training and costs are all taken care of.

About the company

Lloyds

Company overview
Lloyds Banking Group is one of the UK’s largest financial services groups, serving retail and business customers through brands such as Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. Lloyds Banking Group offers products including current accounts, lending (including mortgages), insurance, pensions, and investments. Lloyds Banking Group also runs major technology and data teams, with a stated focus on large-scale digital transformation. (This score is for Lloyds Banking Group, not the Lloyd’s of London insurance market.)

Locations and presence

Lloyds Banking Group hires across UK hubs including London, Edinburgh, Bristol, Leeds, Manchester, Halifax, Chester, and Birmingham. Lloyds Banking Group promotes hybrid working for many office-based roles, with a minimum in-office expectation commonly set at two days per week and work-from-home options described for up to three days per week for many office-based colleagues.

Palpable Score

74.7
/ 100
Lloyds Banking Group is an accessible early-career employer because Lloyds Banking Group runs a full ladder of apprenticeships, undergraduate placements, internships, and graduate schemes with published salaries on many programmes. Lloyds Banking Group is also clearer than many banks about what happens at the assessment stage, although transparency still varies by programme and role. Learning support is well-specified for several flagship schemes, while public outcome metrics like conversion rates and time-to-promotion are still missing.
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