Associate Director

Cynergy Bank; Manchester; Hybrid; GBP 80,000 - 110,000; Full time

Benefits offered by this job

Salary and bonus

Holiday allowance

Pension scheme

Healthcare & life cover

Hybrid working

Training & development

Lifestyle discounts

Recognition awards

Volunteering initiatives

Job summary

Cynergy Bank in Manchester is seeking an Associate Director to manage a portfolio of business customers with lending up to £10m, focusing on day-to-day relationship management. You will also support Relationship Directors on larger transactions and gain exposure to progress within the team.

The role offers hybrid working: 3 days in London office and 2 days from home. Required are experience in commercial banking, strong analytical and stakeholder management skills, and an excellent understanding

Qualifications

• 3+ years in commercial banking or a similar financial services role.
• Experience in trading businesses is beneficial.
• Strong analytical and decision-making skills.
• Excellent communication and stakeholder management abilities.
• Solid understanding of risk, governance, AML and KYC frameworks.
• Proactive approach to problem-solving and driving results.

Responsibilities

• Proactively manage and develop a portfolio of business customers with lending up to £10m.
• Support Relationship Directors on larger, more complex transactions.
• Prepare and submit high-quality loan applications for smaller deals.
• Identify opportunities to promote and cross-sell banking products.
• Ensure full compliance with AML, KYC, and regulatory requirements.
• Champion a high-quality customer experience and continuous process improvement.

Skills

Commercial banking experience

Analytical skills

Excellent communication

Stakeholder management

AML/KYC understanding

Problem-solving

Job description

This is a permanent opportunity to join our Relationship Management team based in Manchester. As an Associate Director, you will manage a portfolio of business customers with lending requirements up to £10m, focusing on day-to-day relationship management and smaller, less complex deals. You will also support Relationship Directors on larger transactions, gaining exposure and experience to progress within the team.

Where You will Work

You will enjoy hybrid working, with 3 days in our London office and 2 days from home.

Why Join Us

We know the best people want more than just a job. At Cynergy Bank, you will find:

Impact: Support the delivery of business banking strategy and ensure operational and regulatory risk standards are met.

Growth: A culture that champions curiosity, innovation, and personal growth at every stage.

Flexibility: A culture that values work-life balance, supported by our hybrid working model.

Rewards: Recognition for your skills and contribution, including annual bonus opportunities and a comprehensive benefits package.

How You Will Make an Impact

• Proactively manage and develop a portfolio of business customers with lending up to £10m.
• Support Relationship Directors on larger, more complex transactions.
• Prepare and submit high-quality loan applications for smaller deals.
• Identify opportunities to promote and cross-sell banking products.
• Ensure full compliance with AML, KYC, and regulatory requirements.
• Champion a high-quality customer experience and continuous process improvement.

Requirements

• Minimum of 3 years' experience in commercial banking or a similar financial services role.
• Experience in trading businesses will be beneficial.
• Strong analytical and decision-making skills.
• Excellent communication and stakeholder management abilities.
• Sound understanding of risk, governance, AML, and KYC frameworks.
• Proactive approach to problem-solving and driving results.

Cynergy Bank is the UK's human digital bank, combining personal service with smart technology to help ambitious businesses and individuals achieve their goals. We know that professional and personal lives often overlap, so our mission is to support customers in all their interdependent banking needs. Since 2018, we have lent over £4bn to scaling businesses and partnered with leading firms to deliver the future of banking. Named Bank of the Year 2025 by MoneyAge, we are recognised for our commitment to customers, innovation, and tailored solutions. This award reflects our team's dedication to delivering exceptional banking experiences, powered by cutting-edge technology.

Our values shape everything we do: Putting the customer first, Risk front and centre, Opportunity, empowerment and innovation, United team inclusive and diverse, and Doing the right thing. These principles guide our decisions, drive our culture, and ensure the best outcomes for our customers and colleagues.

The closing date for applications is Wednesday 28 January 2026. Please note, we may close the advert early if we receive a high volume of applications.

Cynergy Bank was established in 2018 by entrepreneurs to serve the needs of business owners, property entrepreneurs and family businesses. We have a strong track record supporting businesses that want to scale up and provide over £3bn lending to scaling businesses across the UK, we also offer retail deposits to UK savers. Our vision is to provide a truly personalised service that is delivered through face-to-face relationships and enhanced by the latest technology.

At Cynergy Bank, we are committed to your wellbeing and success. We know everyone's needs are different, so our benefits are designed to support you at every stage of your career and life. Here is a snapshot of what we offer:

Benefits

• A salary and bonus package designed to recognise your skills and contribution
• 25 - 30 days holiday (with the option to buy 10 more)
• Award-winning pension savings scheme
• Healthcare, life assurance, and income protection
• Hybrid working (3 days office, 2 from home)
• Training and development opportunities
• Plus, a range of extras including lifestyle discounts, recognition awards, and volunteering initiatives, all designed to keep you supported and thriving.

cynergybank.co.uk/about-us/careers/benefits-and-rewards