Associate Director - Construction Invoice Finance

JOB TITLE: Associate Director - Construction Invoice Finance

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. 

Why join us 

Join us and, give us your best and we’ll give you ours. Here, you’ll make a difference to customers, you’ll enjoy a fulfilling career where you’re free to be yourself. Great colleagues, amazing workspaces, hybrid working and huge career opportunities-you’ll find them all here.​ 

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 neurodivergent 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 

Ready to make an impact? Apply today!