Portfolio and Structuring Director

• leave plus bank holidays and your birthday off, on us!
• A monthly wellbeing hour 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.

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.

• 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, Legal, Compliance and Business Development teams.
• Ensure compliance with regulatory requirements, governance standards and fair customer outcomes.

• 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, we've been helping customers and businesses fulfil our ambitions since 1952. In that time, we've learned that we're more than the sum of our parts. We're a strong Group because of our people being our strength; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That's why Secure Trust Bank Group nurtures differences. We understand that we perform better because we're not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We're an award-winning bank providing savings accounts and lending services to over one million customers. We're Secure Trust Bank Group. We embrace difference.

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 can't 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. It's the chance to be part of something bigger, to add real value to the…