Lloyd graduated from Victoria University in 1981. He then commenced employment with Phillips Shayle-George (now DLA Phillips Fox) which then practised in the same building as Collins and May Law. Lloyd has a property background. His original areas practised were mainly conveyancing. Over the years Lloyd has developed a practice in Family Trusts, Estates and Family Law, with a particular interest in Relationship Property Law. Lloyd is married and has two children. His interests outside the office include rock music, golf (if he can) and watching rugby.