Portfolio and Structuring Director

Job Role:

Portfolio and Structuring Director

Location:

Flexible (with some travel to our Manchester office)

Hours:

35 hours per week About the company Our customers are at the heart of everything we do, but we cant achieve our customer focused strategy without the right people in our team. At Secure Trust Bank, we know that people are our biggest Asset, which is why a career with us is not just a job. Its the chance to be part of something bigger, to add real value to the Bank and help us constantly improve.

We believe in giving our staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All our employees have a tangible impact on the Groups core values, and we are looking for candidates who are enthusiastic, proactive and enjoy working in a fast-paced environment. Why Join Us? A competitive salary and benefits package including discretionary bonus Matched pension contributions 25 days annual leave plus bank holidays and your birthday off, on us!

A monthlywellbeinghour to spend doing whatever makes you happy A wide range of flexible benefits from Cycle2

Work to private healthcare Life assurance Paid volunteering days and matched charity fundraising A collaborative and flexible working environment. Opportunities for professional development and career progression. A chance to make a real impact in a regulated, purpose-driven organisation. What you`ll be doing The Portfolio Director will oversee a portfolio of Asset Based Lending (ABL) clients, acting as the primary relationship owner and trusted adviser.

The role focuses on delivering outstanding customer outcomes, maintaining credit quality, identifying opportunities for growth, and ensuring facilities remain fit for purpose throughout the client lifecycle. Partnering with Credit, Portfolio Management, Operations and Business Development teams, the Portfolio Director will drive portfolio growth while maintaining robust risk controls and regulatory compliance.

Key responsibilities include:

Manage and develop a portfolio of Asset Based Lending (ABL) clients, acting as the primary relationship owner. Build strong relationships with business owners, finance leaders and key stakeholders. Develop a thorough understanding of clients' businesses, funding needs and growth plans. Conduct regular portfolio reviews to identify opportunities, monitor performance and mitigate risks. Deliver excellent customer service, driving high levels of client satisfaction and retention.

Own portfolio performance, profitability and overall credit quality. Monitor financial performance, covenant compliance and facility utilisation. Complete credit reviews, renewals and risk assessments within agreed timescales. Prepare credit recommendations and assess amendments, restructures and additional funding requests. Identify and support growth opportunities through funding solutions and working capital strategies. Collaborate with Credit Risk, Portfolio Management, Operations, Legal, Compliance and Business Development teams.

Ensure compliance with regulatory requirements, governance standards and fair customer outcomes. What we`re looking for Significant experience within Asset Based Lending (ABL), Invoice Finance, or Commercial Banking. Strong knowledge of ABL products and structures, including Factoring, Invoice Discounting, Stock Finance, and Cash Flow Lending. Proven experience managing portfolios of SME and corporate clients. Strong credit analysis skills with the ability to assess financial performance and identify emerging risks.

Commercially minded, with the ability to balance customer needs, portfolio growth, and risk management. Excellent communication, negotiation, and stakeholder management skills, with confidence engaging senior decision-makers. Strong problem-solving and decision-making capabilities, with the ability to develop practical funding solutions. Collaborative, organised, and customer-focused, with a high level of professionalism and integrity. Everyone is different. Everyone is valued As part of our vision to become the most trusted specialist lender in the UK,weve been helping customers and businesses fulfil their ambitions since 1952.

Inthat time, weve learned that were more than the sum of our parts. Were a strong Group because of our peoplebeing ourstrength; specialist, expert, ambitious and also diverse. Allofour people are different and this is something we celebrate. Every one of our employees…