That option had never occurred to me, Rena. I do so wish I knew something about his employers. As I mentioned when I first posted this thread, Henry's name was on two documents relating to new companies that had been registered, and on the basis of them, I've speculated that perhaps he was working for a solicitor's firm specialising in marine insurance and related branches, or something similar. Interestingly, Henry's younger brother Alfred married into a family who built up a very successful wholesale grocery business which later involved importing and exporting goods, and several of the wife's relatives were solicitors. However, as far as I can tell, the marriage came some time after Henry first started to work as a clerk, so I don't know if there's a link there.
Sadly, Henry and his family lived in various parts of North London over the years, so my odds of narrowing down possible employers, using the directories, is very slim. The family lived fairly close to train stations and large thoroughfares with tramways for most of their lives, as the father and Alfred jointly ran a cork cutting business in Liverpool Road, and later in Holloway Road, so it's entirely likely that Henry travelled into the City every day.