Senior SME Lending & Relationship Lead

Triple Point; Greater London; Hybrid; GBP 110,000 - 140,000; Full time

Benefits offered by this job

Contributory pension

Hybrid/flexible working

Learning & development opportunities

Career progression

Job summary

Triple Point in London is hiring an Associate Director to own borrower relationships across an SME lending portfolio within Private Credit. You will lead client engagement, review MI, and drive risk-aware, commercially robust outcomes.

You’ll analyse financial statements, structure deals, and coach teams while escalating complex issues to senior leadership. The role demands accuracy, proactivity and collaboration across the Relationship Services team in a fast-paced environment.

Qualifications

• 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 negotiating with borrowers, structuring transactions, and handling restructures or covenant issues (desirable).
• Knowledge of SME debt finance; experience across Wholesale Finance or Structured Finance (desirable).
• Highly numerate, analytical and comfortable dealing with complexity.

Responsibilities

• 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.

Skills

Credit analysis

Client relationship management

Financial statement analysis

Credit negotiations

Risk management

Portfolio management

Tools

KYC

Job description

Triple Point in London is hiring an Associate Director to own borrower relationships across an SME lending portfolio within Private Credit. You will lead client engagement, review MI, and drive risk-aware, commercially robust outcomes.

You’ll analyse financial statements, structure deals, and coach teams while escalating complex issues to senior leadership. The role demands accuracy, proactivity and collaboration across the Relationship Services team in a fast-paced environment.