Arbuthnot Commercial Asset Based Lending

At Arbuthnot Commercial Asset Based Lending, we pride ourselves on building long-term partnerships with our clients and helping businesses unlock their growth potential. We're looking for an experienced Client Manager to take ownership of a portfolio of asset-based lending clients, balancing strong risk management with outstanding relationship management. Working closely with business owners and leadership teams, you'll play a key role in protecting and growing our portfolio while delivering the high levels of service, expertise and commercial support that set us apart.

Role purpose

To manage all clients within the assigned portfolio in accordance with corporate objectives, approved policy & appetite statements and best practice, ensuring accuracy and integrity of data and records, as well as detecting errors and fraud. Delivering effective client risk management strategies for and provide high quality service to Arbuthnot Commercial Asset Based Lending clients.

Key Responsibilities

• Develop & maintain strong relationships with clients at board level, maximizing client life and retention.
• Keep bad debts and client attrition to a minimum.
• Support the sustainable and profitable growth of Arbuthnot Commercial ABL in all pricing discussions.
• Understand risk drivers and monitor triggers ensuring that risk is managed within Arbuthnot Commercial ABL Credit Policy and Procedures.
• Visit clients according to the required frequency, prepare visit reports and annual reviews with recommended actions as necessary.
• Review underperforming and watch clients within the portfolio and recommend action to the Portfolio Management Meetings. Present outcomes to clients in a robust & positive way.
• Analysis of client financial statements and forecasts to present to the Portfolio Management Meetings. Ensure client submissions, data, and practices adhere to Finance Agreements.
• Comply with all client reporting metrics — producing reviews/reports as appropriate to the Portfolio Management Meetings.
• Offer appropriate support to clients on a day-to-day basis and resolve queries in a timely manner.
• Recognise and report compliance breaches, errors, and potential frauds.
• Work with external advisors (Accountants, Auditors, Lawyers) as necessary.
• Present a positive image of Arbuthnot Commercial ABL at all times.
• Support the Commercial Team in meeting growth targets, meetings Key Business Indicators (KBIs), and prospects as required.
• Onboard new clients in line with ABL procedures.