Senior SME Credit & Relationship Lead

Triplepointllp; Greater London; Ibrido; GBP 90.000 - 130.000; Tempo pieno

Vantaggi offerti da questo lavoro

Contributory pension

Hybrid / flexible working

Learning & development

Descrizione del lavoro

Triple Point is seeking an Associate Director for the Relationship Services team, owning borrower relationships across an SME lending portfolio. The role emphasizes strong portfolio performance, proactive risk management, and high-quality client engagement to deliver commercial, well-structured outcomes.

You will analyse financial statements, manage covenant processes, and lead negotiations with borrowers, while collaborating with Portfolio Managers to prioritise and deliver against a varied

Competenze

• Strong ability to interpret and analyse company financial statements and management information.
• Experience writing and reviewing credit applications from a front-office or credit role.
• Experience in financial modelling.

Mansioni

• Lead the relationship with an allocated portfolio of borrowers, acting as the primary point of contact and ensuring a high-quality client experience.
• Conduct quarterly client calls/meetings, including reviewing MI and providing follow-up actions.
• Identify opportunities to deepen relationships or develop new lending opportunities.
• Own portfolio compliance: timely collection of MI, covenant testing, annual reviews, KYC refresh, and ensuring no overdue portfolio actions.
• Lead early identification and escalation of underperformance, arrears, emerging risks or covenant pressure.
• Analyse management accounts to identify trends, risks and early warning indicators.
• Lead borrower requests such as covenant resets, waivers, forbearance, restructures and new money requests.
• Draft high-quality credit papers and present recommendations to Credit Forum or Investment Committee.
• Negotiate directly with clients to achieve balanced, commercially robust outcomes.
• Lead deal structuring, including drafting term sheets and coordinating with internal and external legal advisers on documentation.
• Work closely with Portfolio Managers to manage workload, prioritisation and delivery.
• Escalate sensitive or complex matters appropriately to the Relationship Director or Head of Team.
• Support consistent best practice across the Relationship Services team.

Conoscenze

Portfolio management

Credit analysis

Financial modelling

Stakeholder engagement

Risk assessment

Negotiation

Formazione

Bachelor's degree in finance or related field

Descrizione del lavoro

Triple Point is seeking an Associate Director for the Relationship Services team, owning borrower relationships across an SME lending portfolio. The role emphasizes strong portfolio performance, proactive risk management, and high-quality client engagement to deliver commercial, well-structured outcomes.

You will analyse financial statements, manage covenant processes, and lead negotiations with borrowers, while collaborating with Portfolio Managers to prioritise and deliver against a varied