Portfolio & Structuring Director - North
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About The Role
What you will do
Support delivery and structuring of complex new business proposals and proactively manage a portfolio of Invoice Finance customers and Asset Based Lending (ABL) customers, maximising portfolio income and client service as well as minimising attrition and impairment
Key Responsibilities
• Review and help structure new client proposals, with focus on delivering larger / more complex deals
• Apply strong credit skills and industry knowledge, identify suitable risk mitigants within ABL structures
• Build strong reputation and trust within local market for service delivery and excellence
• Support new business team to develop strong internal/external stakeholder relationships
• Proactively monitor and manage risks within own portfolio, undertaking regular collateral assessment
• Maintain regular contact plan for client communication, including regular on-site visits
• Keep client attrition to a minimum unless STB decide to manage client away
• Maximise fee income through negotiation of additional income opportunities and pricing
• Comply with all relevant governance and policies
• Support Assistant Relationship Managers in their development
• Take ownership of all risk aspects associated with portfolio (e.g. MER returns, DV, constant monitoring, covenant monitoring etc)
Key Interfaces
• Dancerace C3 / Dancerace E3
• Equifax
• RBS Bank-line
• Risk Factor
What you will bring
• Proven track record of structuring complex deals within ABL industry
• Strong collateral monitoring experience
• Thorough knowledge of all operational processes
• Strong financial analysis skills
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. In that time, we've learned that we're more than the sum of our parts. We're a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and 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 and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.
We're an award-winning bank providing savings accounts and lending services to over one million customers. We're Secure Trust Bank Group. We embrace difference.
We're an award-winning bank providing savings accounts and lending services to over one million customers. We're Secure Trust Bank Group. We embrace difference.
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 investment, 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, in order to achieve our ambition of becoming the best bank in Britain. 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. So join us as we strive to Grow, Sustain and Love the way we work.