Associate Director – Construction Invoice Finance

Lloyds Banking Group

Associate Director managing a portfolio of Invoice Finance clients within the construction sector. Focusing on risk management, client retention, and income generation strategies.

Posted 7/9/2026full-timeManchester • 🇬🇧 United KingdomSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in Invoice Finance and Asset Based Lending, with a strong ability to analyze financial data and manage risks effectively. Proven track record in client engagement, portfolio management, and stakeholder relationship building within the SME sector.

Highest-signal resume keywords

Invoice Finance ExpertiseRisk ManagementFinancial AnalysisStakeholder EngagementCommercial Judgement

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Financial AnalysisRisk ManagementPortfolio ManagementClient EngagementOnboarding Processes

Soft Skills

Effective CommunicationInfluencing SkillsCommercial Judgement

Certifications & Qualifications

Full UK Driving Licence

Industry Keywords

Asset Based LendingSME PortfolioWorking Capital NeedsConstruction FinancingStakeholder Network

About the role

Key responsibilities & impact

Accountable for the end ‑ to ‑ end ownership of a portfolio of c. 40 SME Invoice Finance clients.
Balancing risk control, client experience, and sustainable income generation.
Protect and grow the value of the portfolio by ensuring facilities are well ‑ structured, risks are actively managed.
Engage and retain clients, identify issues and additional income opportunities.
Optimise income and portfolio value by balancing pricing discipline and identifying incremental opportunities.
Ensure effective onboarding and transition from Sales, implementing new business compliantly.
Maintain strong relationships across stakeholders, advocating for Invoice Finance.

Requirements

What you’ll need

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.
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.

Benefits

Comp & perks

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