Relationship Manager - Invoice Finance/ Asset Based Lending - Full Time

Hours:

Permanent, full time role, 35 hours per week. Hybrid working with an expectation of 2 days per week in our Birmingham office, including client visits.

Closing Date:

Mon, 27 Apr 2026

We are delighted to be recruiting for a Relationship Manager to join Skipton Business Finance. This role is central to supporting and growing our portfolio of Invoice Finance clients, ensuring exceptional service delivery, proactive risk management, and strong, trusted relationships with SME businesses across the region.

Who Are We?

Skipton Business Finance, part of the Skipton Group, has been helping UK SMEs fulfil their aspirations for over 20 years by providing working capital solutions that support their ambitious growth plans.

With a rich history rooted in reliability and innovation, we leverage our expertise to offer a diverse range of financial products, including Invoice Finance and Asset Based Lending. Our commitment to understanding the unique needs of each client enables us as a team to deliver personalised and responsive services, fostering long-term partnerships built on trust and mutual success.

At Skipton Business Finance, we strive to be more than just a financial provider. We aim to be a strategic partner, guiding businesses towards sustainable growth and prosperity. Join our team as we navigate the dynamic landscape of business finance together.

What Will You Be Doing?

As Relationship Manager, you will:

• Act as the primary point of contact for a portfolio of Invoice Finance clients, building strong, long‑term relationships with clients, advisers, and internal stakeholders.
• Partner closely with operations teams to ensure a smooth and efficient onboarding experience, as well as consistently high levels of ongoing service.
• Conduct regular client reviews, site visits and facility renewals to ensure performance, utilisation and covenant compliance remain on track.
• Proactively monitor client risk, identifying early warning signs and taking action to protect both the client and the business.
• Ensure all facilities operate within agreed terms, collaborating with credit, operations and risk teams on amendments, renewals and exceptions.
• Identify opportunities to grow client facilities, improve margins and increase product uptake, supporting wider business development activity through insights and referrals.
• Maintain accurate documentation and reporting, while staying informed about market trends, product developments and regulatory requirements.

What Do We Need From You?

To succeed in this role, you will bring:

• Proven experience in Invoice Finance, ABL or commercial banking.
• Strong experience in credit assessment, portfolio risk management and commercial decision-making.
• Strong understanding of credit risk, financial statements and cashflow analysis.
• Excellent relationship-management and communication skills.
• An ability to independently manage a client portfolio and prioritise effectively.
• Experience working with SMEs across a variety of sectors.
• A demonstrable track record of portfolio retention and growth.
• A commercial mindset with the confidence to operate autonomously in a fast-paced environment.
• Experience preparing and presenting credit papers, amendments and renewals.

What's In It For You?

We have a range of other benefits available to you including:

• Discretionary bonus scheme
• Car allowance
• 25 days standard annual leave + bank holidays + rising 1 day per year of service to a maximum of 30 days
• Holiday trading scheme allowing the ability to buy and sell additional annual leave days
• Matching employer pension contribution (up to 10% per annum)
• Colleague mortgage (conditions apply)
• Salary sacrifice scheme for hybrid & electric car
• A commitment to training and development
• Private medical insurance for all our colleagues
• 3 paid volunteering days per annum
• Diverse and inclusive colleague networks including our Carers and Pride Alliance groups
• Health and wellbeing support including cycle-to-work and discounted gym membership

Salary: Competitive salary plus excellent benefits Job Refence: VP82E8AFEF