Portfolio and Structuring Director

Secure Trust Bank PLC; Manchester; On-site; GBP 125,000 - 150,000; Full time

Job summary

An award-winning bank in Manchester is seeking a Portfolio & Structuring Director who will manage a portfolio of Invoice Finance and Asset Based Lending customers. The candidate should have a proven track record in structuring complex deals, strong collateral monitoring experience, and excellent financial analysis skills. This role offers flexible working options, a competitive salary, and opportunities for professional development.

Benefits

Flexible working options

Competitive salary and bonus schemes

Comprehensive benefits including pension and healthcare

Professional development opportunities

Employee resource groups and diversity networks

Community engagement initiatives

Qualifications

• Proven track record of structuring complex deals within the ABL industry.
• Strong collateral monitoring experience.
• Thorough knowledge of operational processes.
• Excellent financial analysis skills.

Responsibilities

• Structuring and reviewing new client proposals.
• Applying strong credit knowledge to identify risk mitigants.
• Building trust and reputation for service excellence.
• Developing strong stakeholder relationships.
• Monitoring portfolio risks and conducting assessments.
• Maintaining regular client contact.
• Minimizing client attrition through negotiation.
• Ensuring compliance with governance and policies.
• Mentoring Assistant Relationship Managers.
• Taking ownership of risk aspects associated with the portfolio.

Skills

Structuring complex deals

Collateral monitoring

Financial analysis

Job description

Shape Deals. Build Futures. Be Yourself.

At Secure Trust Bank Group, we’ve been helping businesses achieve their ambitions since 1952. Today, we’re proud to be an award-winning specialist lender, trusted by over one million customers. Our success comes from our people—their expertise, creativity, and individuality. We celebrate differences because we know diversity drives innovation and excellence.

If you’re passionate about building strong relationships, structuring complex deals, and delivering outstanding service, this is your opportunity to join a team that values your unique perspective.

What You’ll Do

As a Portfolio & Structuring Director, you’ll play a key role in supporting new business and managing a portfolio of Invoice Finance and Asset Based Lending (ABL) customers. Your focus will be on delivering exceptional client service, maximizing portfolio income, and managing risk effectively.

Your responsibilities will include:

• Structuring and reviewing new client proposals, with an emphasis on larger and more complex deals.
• Applying strong credit and industry knowledge to identify risk mitigants within ABL structures.
• Building trust and a strong reputation for service excellence in the local market.
• Developing and maintaining strong internal and external stakeholder relationships.
• Proactively monitoring portfolio risks and conducting regular collateral assessments.
• Maintaining regular client contact, including on-site visits.
• Minimizing client attrition and maximizing fee income through negotiation and pricing.
• Ensuring compliance with governance and policies.
• Supporting and mentoring Assistant Relationship Managers.
• Taking ownership of all risk aspects associated with your portfolio.

What You’ll Bring

• A proven track record of structuring complex deals within the ABL industry.
• Strong collateral monitoring experience.
• Thorough knowledge of operational processes.
• Excellent financial analysis skills.

Why Join Us?

We believe everyone is different—and everyone is valued. We actively embrace diversity and inclusion, working with leading industry bodies and promoting initiatives that give you the freedom to be yourself. When you join Secure Trust Bank Group, you’ll be part of a culture that celebrates individuality, nurtures talent, and supports your growth.

We offer:

• Flexible working options to support work-life balance.
• Competitive salary and bonus schemes.
• Comprehensive benefits, including pension, healthcare, and wellbeing programs.
• Professional development opportunities and clear career progression.
• Employee resource groups and diversity networks.
• Community engagement initiatives—we actively support local charities and sustainability projects.
• A chance to work for an award-winning bank that values innovation and responsibility.