Asset Based Lending - Client Manager

Arbuthnot Latham; Manchester; On-site; GBP 45,000 - 65,000; Full time

Benefits offered by this job

Competitive salary

BUPA Health cover

4x Life Assurance

Discretionary bonus

Maternity/paternity policies

Job summary

Arbuthnot Latham is seeking an experienced Client Manager to own a portfolio of asset-based lending clients, balancing risk management with outstanding relationship management. You will work closely with business owners and leadership teams to protect and grow the portfolio while delivering high levels of service, expertise and commercial support.

The role focuses on managing client risk, maintaining accurate data, visiting clients, and presenting outcomes to the Portfolio Management Meetings.

Qualifications

• Proven track record in ABL/AR financing or similar environment.
• Strong understanding of ABL/AR product range, procedures, markets and industry sectors.
• Excellent analytical and financial analysis skills.
• Ability to handle high work volumes with accuracy, quality and client focus.

Responsibilities

• Take ownership of a portfolio of asset-based lending clients and manage risk while delivering high-quality service.
• Develop and maintain strong relationships with clients at board level to maximise life and retention.
• Ensure compliance with credit policy, documentation and reporting requirements; detect errors and potential fraud.
• Visit clients regularly, prepare reports and annual reviews with actionable recommendations.
• Support pricing discussions and contribute to sustainable growth of Arbuthnot Commercial ABL.

Skills

ABL/AR financing

Relationship management

Risk management

Financial analysis

Client liaison

Education

Relevant degree or professional qualification

Job description

At Arbuthnot Commercial Asset Based Lending, we pride ourselves on building long-term partnerships with our clients and helping businesses unlock their growth potential. We're looking for an experienced Client Manager to take ownership of a portfolio of asset-based lending clients, balancing strong risk management with outstanding relationship management. Working closely with business owners and leadership teams, you'll play a key role in protecting and growing our portfolio while delivering the high levels of service, expertise and commercial support that set us apart.

To manage all clients within the assigned portfolio in accordance with corporate objectives, approved policy & appetite statements and best practice, ensuring accuracy and integrity of data and records, as well as detecting errors and fraud. Delivering effective client risk management strategies for and provide high quality service to Arbuthnot Commercial Asset Based Lending clients.

Develop & maintain strong relationship with clients at board level, maximising client life and retention.

Keep bad debts and client attrition to a minimum.

Support the sustainable and profitable growth of Arbuthnot Commercial ABL in all pricing discussions.

Understand risk drivers and monitor triggers ensuring that risk is managed within Arbuthnot Commercial ABL Credit Policy and Procedures.

Visit clients according to required frequency, prepare visit reports and annual reviews with recommended actions as necessary.

Review underperforming and watch clients within the portfolio and recommend action to the Portfolio Management Meetings. Present outcomes to client in robust & positive way

Analysis of client financial statements and forecasts to present to the Portfolio Management Meetings. Ensure client submissions, data and practices adhere to Finance Agreements.

Comply with all client reporting metrics — producing reviews/reports as appropriate to the Portfolio Management Meetings

Offer appropriate support to clients on day-to-day basis and resolve queries in a timely manner.

Recognise and report compliance breaches, errors and potential frauds

Work with external advisors (Accountants, Auditors, Lawyers) as necessary.

Present a positive image of Arbuthnot Commercial ABL at all times.

Support the Commercial Team in meeting growth targets, meetings KBIs and prospects as required.

Onboard new clients in line with ABL procedures.

Person Specification

Knowledge / Experience

Proven track record in ABL/AR financing or similar environment.

Good understanding of ABL/AR product range, procedures, markets and industry sectors.

Strong analytical & financial analysis skills.

Handle high work volumes whilst maintaining accuracy, quality and client focus.

Strong risk focused approach.

Excellent verbal, written and presentation skills. Computer literate.

Team player, establishes effective working relationships at all levels

Work under pressure and to tight deadlines

Professional, well-presented, client-focused approach

Qualifications

Business & Commercial Focus

Judgement & Problem Solving

Influencing Others

Expert Knowledge

Team Working

Planning and Reviewing

Knowledge / Experience

• Proven track record in ABL/AR financing or similar environment.
• Good understanding of ABL/AR product range, procedures, markets and industry sectors.
• Strong analytical & financial analysis skills.
• Handle high work volumes whilst maintaining accuracy, quality and client focus.
• Strong risk focused approach.
• Excellent verbal, written and presentation skills. Computer literate.
• Team player, establishes effective working relationships at all levels
• Work under pressure and to tight deadlines
• Professional, well-presented, client-focused approach

Qualifications

• Relevant degree or professional qualification desirable but not essential

Competencies

• Business & Commercial Focus
• Judgement & Problem Solving
• Influencing Others
• Expert Knowledge
• Team Working
• Planning and Reviewing

Client Focus

About Us

Life, Work and Benefits

Arbuthnot Latham is committed to equal-opportunities for all staff and candidates. We embrace inclusion & diversity and understand why they are critical for the success of our business and people.

• Competitive salary, pension & holiday allowance
• BUPA Health cover
• 4x Life Assurance
• Discretionary bonus
• Market leading maternity/paternity and menopause policies

Data Privacy and Reasonable adjustments

We take keeping your data security seriously. For more detail on how we may keep your data please refer to our Privacy Notice

Reasonable adjustments: Please let us know of any adjustments or arrangements that you may need to help you apply to this role or that will help you during the recruitment process. If you wish to discuss any particular requirements or concerns you have because of a disability or medical condition please contact us at [e-mail]. Information you provide about any disability or medical condition will remain confidential unless it is necessary to disclose it to other members of staff or outside agencies to ensure the health and safety of yourself and others, or to implement the adjustments you require. In these circumstances we will first discuss with you how and to whom the information may be disclosed.