Senior ABL Portfolio & Structuring Director

Secure Trust Bank Group; Manchester; Hybrid; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Competitive salary

Matched pension

25 days leave + birthday off

Wellbeing hour

Flexible benefits

Life assurance

Volunteer days

Career development

Job summary

Secure Trust Bank Group is seeking a Portfolio and Structuring Director who 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.

Collaborating with Credit, Portfolio Management, Operations and Business Development teams,

Qualifications

• 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.

Responsibilities

• Oversee a portfolio of Asset Based Lending clients, acting as primary relationship owner.
• Build strong relationships with business owners, finance leaders and key stakeholders.
• Understand clients' 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 covenant compliance and facility utilisation.
• Prepare credit reviews, renewals and risk assessments within set timescales.
• Identify and support growth opportunities through funding solutions and working capital strategies.
• Collaborate with Credit Risk, Portfolio Management, Operations, Legal and Business Development teams.

Skills

Asset Based Lending (ABL)

Invoice Finance

Commercial Banking

Credit analysis

Stakeholder management

Communication

Negotiation

Problem solving

Job description

Secure Trust Bank Group is seeking a Portfolio and Structuring Director who 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.

Collaborating with Credit, Portfolio Management, Operations and Business Development teams,