Portfolio and Structuring Director

Overview

As Portfolio and Structuring Director, you will oversee a portfolio of Asset Based Lending clients, acting as the main relationship owner and trusted adviser. You will drive growth while maintaining credit quality and robust risk controls, working with cross-functional teams to deliver outcomes aligned with the bank’s customer-focused mission. You’ll identify opportunities for funding solutions and ensure facilities stay fit for purpose across the client lifecycle.

This is a high-impact role in a regulated, purpose-driven bank that values collaboration and professional development.

• competitive salary
• discretionary bonus
• matched pension contributions
• 25 days annual leave + bank holidays + birthday off
• monthly wellbeing hour
• Cycle2Work and private healthcare options? (mentioned)

• Manage and develop a portfolio of Asset Based Lending (ABL) clients, serving as the primary relationship owner
• Build strong relationships with business owners, finance leaders and key stakeholders
• Develop deep 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 to achieve high 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 timelines
• 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

• Significant experience within Asset Based Lending (ABL), Invoice Finance, or Commercial Banking
• Strong knowledge of ABL products and structures (Factoring, Invoice Discounting, Stock Finance, Cash Flow Lending)
• Proven experience managing portfolios of SME and corporate clients
• Strong credit analysis skills to assess performance and identify risks
• Commercially minded with ability to balance customer needs with growth and risk
• Excellent communication, negotiation and stakeholder management with senior decision-makers
• Strong problem-solving and decision-making capabilities to develop practical funding solutions
• Collaborative, organised, and customer-focused with professionalism and integrity

• communication
• negotiation
• stakeholder management
• ABL products and structures (Factoring, Invoice Discounting, Stock Finance, Cash Flow Lending)
• credit analysis
• funding solutions and working capital strategies