Portfolio and Structuring Director

Secure Trust Bank PLC; Blossomfield; Hybrid; GBP 90,000 - 120,000; Full time

Benefits offered by this job

Matched pension contributions

25 days annual leave

Discretionary bonus

Private healthcare

Life assurance

Volunteer days

Job summary

Secure Trust Bank PLC seeks a Portfolio Director to oversee a portfolio of Asset Based Lending clients, acting as the primary relationship owner and trusted adviser. You will drive growth while maintaining credit quality and regulatory compliance throughout the client lifecycle.

You will partner with Credit, Portfolio Management, Operations and Business Development to identify opportunities and deliver practical funding solutions with sound risk controls.

Qualifications

• Significant experience in Asset Based Lending, Invoice Finance or Commercial Banking.
• Strong knowledge of ABL products and structures used for growth financing.
• Proven ability to manage SME and corporate portfolios with credit discipline.

Responsibilities

• Own and grow a portfolio of ABL clients with primary relationship responsibility.
• Lead credit reviews, risk assessments and renewals within agreed timescales.
• Collaborate with Credit Risk, Operations and Business Development to fund growth.
• Ensure regulatory and governance standards are upheld and client outcomes are fair.

Skills

ABL knowledge

Credit analysis

Relationship management

Portfolio management

Regulatory compliance

SME/corporate lending

Tools

Credit decisioning

Financial modelling

Job description

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 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 Group’s 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 Cycle2Work 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,we’ve been helping customers and businesses fulfil their ambitions since 1952. Inthat time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our peoplebeing ourstrength; specialist, expert, ambitious and also diverse. Allofour people are differentand 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 andsupportdiversity, work with leading industry bodies andpromoteinitiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award-winning bank providing savings accounts andlending servicesto overone million customers. We’re Secure Trust Bank Group. We embrace difference.