As a banking professional, I’d like to provide some insights on the topic of banks not considering a director’s guarantee as a personal liability.

In some cases, banks may require directors of a company to provide personal guarantees to secure a loan or credit facility. This means that if the company fails to repay the loan, the director would be personally liable for the debt. However, there are instances where banks may not consider a director’s guarantee as a personal liability.

One possible scenario is when the director’s guarantee is limited in scope or capped at a specific amount. For example, the guarantee may only apply to a certain percentage of the loan or may have a fixed monetary limit. In such cases, the bank may not consider it as a blanket personal liability for the entire loan amount.

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