At a Glance
- Tasks: Manage a portfolio of SME Invoice Finance clients in the construction sector.
- Company: Join a leading UK business committed to diversity and inclusion.
- Benefits: Competitive salary, generous pension, 30 days holiday, and flexible working.
- Other info: Hybrid working model with opportunities for career growth and development.
- Why this job: Make a real impact while enjoying a fulfilling career with great colleagues.
- Qualifications: 3-5 years experience in Invoice Finance and strong communication skills.
The predicted salary is between 60000 - 80000 £ per year.
LOCATION: North West England or East England
SALARY: Competitive Package
HOURS: Full-Time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites. This opportunity is open to Job Share applications.
What you'll be doing:
The Associate Director, Invoice Finance (IF) Client Manager is accountable for the end‑to‑end ownership of a portfolio of c.40 SME Invoice Finance clients, that is those businesses with turnover up to £25m, balancing risk control, client experience, and sustainable income generation. You'll be joining a successful specialist National team dealing with clients within the construction sector, who are subject to contractual agreements with their customers. The role exists to protect and grow the value of the portfolio by ensuring facilities are well‑structured, risks are actively managed, clients are engaged and retained, and opportunities for additional income or broader Lloyds Banking Group solutions are identified and progressed.
Key accountabilities of the role include:
- Owning and managing portfolio risk by proactively reviewing financial performance, collateral trends and client behaviour, taking timely action within policy and raising issues with clear recommendations when required.
- Building and retaining strong client relationships, acting as the primary relationship owner, setting clear service expectations and using regular engagement, including face‑to‑face client visits where appropriate, to identify issues and opportunities early.
- Optimising income and portfolio value by balancing pricing discipline, full product utilisation and the identification of incremental opportunities and referrals across Business and Commercial Banking and the wider product suite of LBG.
- Ensuring effective onboarding and transition from Sales, underwriting new business within delegated authority and working closely with stakeholders to ensure compliant implementation from day one.
- Operating with strong governance and judgement, adhering to delegated credit authorities and policies while contributing to continuous improvement in risk and control processes.
- Collaborating effectively with stakeholders, maintaining strong relationships across BCB and acting as a credible advocate for Invoice Finance internally and externally.
What we're looking for:
- Strong understanding of Invoice Finance / Asset Based Lending products and risk drivers, ideally 3 to 5 years of experience.
- Ability to analyse financial and collateral data and convert insight into clear actions.
- Commercial judgement balanced with risk awareness.
- Effective communicator, capable of influencing clients and internal stakeholders.
- Developing sector knowledge relevant to the SME portfolio.
- Full and current UK driving licence.
And any experience of this would be great:
- Detailed knowledge of the working capital needs of construction clients and the risks associated with funding against contractual type debt.
- Well-developed stakeholder network within the IF/ABL market.
This is a place for you:
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we're committed to creating an environment in which everyone can thrive, learn and develop. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long‑term health or neuro‑divergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.
We also offer a wide-ranging benefits package, which includes:
- A generous pension contribution of up to 15%
- An annual performance‑related bonus
- Benefits you can adapt to your lifestyle, such as discounted shopping
- 30 days' holiday, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
Associate Director - Construction Invoice Finance employer: LLOYDS BANKING GROUP
Lloyds Banking Group is an exceptional employer that prioritises employee well-being and professional growth, offering a dynamic work culture that fosters collaboration and innovation. With the flexibility of remote working and opportunities for career advancement within the Economic Crime Prevention function, employees can thrive in a supportive environment while contributing to meaningful compliance efforts. The company's commitment to diversity and inclusion further enhances its appeal, making it a rewarding place to build a career.
StudySmarter Expert Advice🤫
We think this is how you could land Associate Director - Construction Invoice Finance
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
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Don’t shy away from reaching out directly to firms like LLOYDS BANKING GROUP. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Associate Director - Construction Invoice Finance
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to LLOYDS BANKING GROUP.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on LLOYDS BANKING GROUP's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at LLOYDS BANKING GROUP
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with LLOYDS BANKING GROUP.
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✨Show Your Passion for Finance
Since this is a full-time position, employers at LLOYDS BANKING GROUP will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former LLOYDS BANKING GROUP employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
