Associate Director - Construction Invoice Finance

Location: North West England or East England

Working Pattern: Hybrid: at least two days per week or 40% of time at office. Job Share applications accepted.

Responsibilities:

• Own and manage portfolio risk for approximately 40 SME Invoice Finance clients (turnover up to £25m).
• Build and retain strong client relationships, act as primary relationship owner, conduct face‑to‑face visits where appropriate.
• Optimize income and portfolio value through pricing discipline and product utilisation, identifying incremental opportunities and referrals across business and commercial banking.
• Ensure effective onboarding and transition from sales, underwriting new business within delegated authority, and partnering with stakeholders for compliant implementation.
• Operate with strong governance and judgement, adhering to delegated credit authorities and policies, while contributing to continuous improvement in risk and control processes.
• Collate effectively with stakeholders, maintaining strong relationships across BCB and acting as credible advocate for Invoice Finance internally and externally.

Qualifications:

• Strong understanding of Invoice Finance/Asset Based Lending products and risk drivers, 3‑5 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.

Preferred Experience:

• Detailed knowledge of working capital needs of construction clients and risks associated with funding against contractual debt.
• Well‑developed stakeholder network within the IF/ABL market.

Benefits:

• Generous pension contribution up to 15%.
• Annual performance‑related bonus.
• Benefits that can be adapted to your lifestyle, such as discounted shopping.
• 30 days holiday, plus bank holidays.
• Well‑being initiatives and generous parental leave.

Equality, Diversity and Inclusion:

We are committed to diversity, equity and inclusion and provide reasonable workplace adjustments for colleagues with disabilities. We guarantee interviews to applicants with a disability, long‑term health or neurodivergent condition through the Disability Confident Scheme.