Associate - Structured Finance

Required qualifications

• Bachelor's degree in Finance, Economics, Accounting, or a related field
• 3+ years' experience in a UK bank / non-bank lender environment; e.g. structured finance, asset backed finance, leveraged finance, real estate finance, project finance, or corporate banking within the UK market
• Experience in detailed financial / cashflow modelling in Excel

Required skills

• Advanced financial modelling skills in Excel, including cash flow modelling, sensitivities, covenant modelling, and stress testing
• Strong credit analysis skills, and use of credit analysis tools and techniques, including financial statement analysis, business plan review, and assessment of repayment capacity, prepayment and default risk
• Ability to produce high quality credit papers for ExCo, Credit Committee, and Board level audiences
• Strong experience and understanding of asset backed finance dynamics and secured lending structures, including portfolio purchases and forward flow arrangements
• Working knowledge of key asset and transaction return metrics (e.g. RAROC, ROE, NIM)
• Strong understanding of structured finance documentation standards and ability to support negotiation of facility agreements with legal counsel
• Ability to coordinate execution and completion mechanics across Legal, Risk, Compliance, and Treasury, including CP tracking and funding processes
• Portfolio management skills, including covenant compliance monitoring, annual reviews, early warning identification, escalation, and accurate internal reporting
• Strong stakeholder management and communication skills, with clear and concise written and verbal output
• High ownership mindset with integrity and diligence, able to operate effectively in a lean team with strong attention to detail and governance awareness
• Proficiency in PowerPoint

What we offer

• At our cutting-edge fintech company, we know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer:
• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed.
• Employer-sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
• Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top-up.
• Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a MacBook laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required.
• Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Farringdon (Central London).
• Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
• Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
• Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
• Room for growth: As a fast-paced, high-growth start-up, we're dedicated to providing our employees with room to grow and excel.
• You get full healthcare for you and your nuclear family via Vitality.

Hybrid Working

Diversity and Inclusion

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