Invoice Finance Auditor (Field Risk Manager, Midlands region)

Lloyds Banking Group; Highgate; Hybrid; GBP 45,000 - 60,000; Full time

Job summary

A major banking organization in Highgate is seeking an Audit and Risk Analyst to conduct on-site audits and analyse financial data. The ideal candidate will understand Asset Based Lending products and possess strong communication and analytical skills. Responsibilities include leading audits, producing reports, and mentoring junior auditors. This is a challenging role with travel opportunities across the UK and a commitment to inclusivity and diversity.

Benefits

Up to 15% pension contribution

Annual performance-related bonus

Share schemes

30 days' holiday plus bank holidays

Flexible benefits

Wellbeing initiatives

Qualifications

• Experience conducting audits within Asset Based Lending (ABL).
• Experience in working with corporate banking clients.
• Full UK driving licence and willingness to travel extensively.

Responsibilities

• Conduct detailed on-site audits at client premises.
• Review financial data and identify risk factors.
• Produce high-quality reports for senior decision-makers.
• Engage with business partners to communicate findings.
• Lead complex audits and mentor junior auditors.

Skills

Understanding of ABL products

Analytical skills

Communication skills

Organisational skills

Microsoft Excel proficiency

Job description

When we provide funding through ABL, we rely on the strength of our clients' assets - such as invoices and stock - that form the collateral for our facilities. Your role ensures these assets are valid, collectable, and accurately represented. This responsibility sits at the very heart of our business, influencing decisions that keep both us and our clients secure. In this role, you'll carry out on-site audits for both existing and prospective clients, review financial data, and identify potential risks that could impact our funding decisions. Your insights will directly influence key business outcomes, making this a position where your expertise truly matters. You'll work with a broad range of clients - from SMEs to Large Corporates - while collaborating closely with Business Partners to deliver high-quality reporting and recommendations. This is a varied and challenging role that combines analytical rigor with client engagement. You'll also lead and support complex audits, with regular travel and occasional overnight stays expected. Additionally, you'll play a meaningful role in developing and mentoring auditors within the team.

Responsibilities

• Visit client premises to conduct detailed audits and confirm compliance with facility terms (or proposals).
• Review financial data to identify risks and provide clear, actionable recommendations.
• Produce high-quality reports that inform senior decision-makers.
• Engage with business partners to communicate findings and influence outcomes.
• Lead complex audits and support the development of junior auditors.
• Spend around 40% of your time on-site, with occasional overnight stays.

Qualifications

• Strong understanding of all ABL products and auditing methodologies, including experience in conducting stock audits.
• Experience working with Mid-Corporate and Corporate Institutional Banking clients, with an understanding of their financial drivers.
• Excellent analytical and organisational skills, with proficiency in Microsoft Excel.
• Ability to synthesise information from multiple sources and present clear, evidence-based conclusions.
• Exceptional written and verbal communication skills, with confidence to challenge and influence senior stakeholders.
• A full UK driving licence and flexibility to travel extensively across the UK.

Benefits

• Up to 15% pension contribution
• Annual performance‑related bonus
• Share schemes, including free shares
• 30 days' holiday plus bank holidays
• Flexible benefits tailored to your lifestyle
• Wellbeing initiatives and generous parental leave policies

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. We only ask for confidential or sensitive information once you are formally invited to an interview or have accepted a verbal offer. We will always explain what we need and why, and any request comes from a trusted Lloyds Banking Group person.

We're committed to creating an inclusive workplace that reflects modern society and celebrates diversity in all its forms. We welcome applications from under‑represented groups and are proud to be a disability‑confident employer. If you require reasonable adjustments during the recruitment process, please let us know.

If you're ready to make an impact and help shape the future of risk management, we'd love to hear from you. Apply today!