Senior Debt Finance Associate, Manchester - Complex Lending

OakNorth Bank plc; Manchester; Híbrido; GBP 70.000 - 90.000; Jornada completa

Descripción de la vacante

OakNorth is a digital bank for entrepreneurs, by entrepreneurs. We’re looking for a Senior Associate to join our Debt Finance team in Manchester, supporting lending to private equity and owner-managed businesses.

You’ll bring the analytical depth to understand how a business makes and uses cash, and the judgement to help shape lending solutions around its debt and working-capital needs. This is a hands-on, high-ownership role.

Formación

• Strong experience in accountancy, commercial lending, debt finance or closely related area.
• Relevant exposure to businesses and their financing needs.
• Excellent financial analysis and modelling skills, including cash-flow assessment, debt sizing and downside analysis.
• Sound credit judgement and ability to identify risks, test assumptions and explain conclusions clearly.
• Experience preparing or reviewing credit papers, committee materials, term sheets or transaction documentation.
• Confidence managing multiple stakeholders and workstreams, keeping transactions moving with accuracy.
• Clear written and verbal communication to specialist and non-specialist audiences.
• Collaborative, low-ego approach and genuine interest in developing colleagues.

Responsabilidades

• Assess new opportunities, developing a view of business model, sector, management and financial/credit profile.
• Build and review financial models, including cash-flow forecasts, debt sizing, repayment capacity and sensitivities.
• Identify key risks and develop practical mitigants.
• Shape facility structures and terms with originators, credit and other stakeholders, balancing customer needs with risk.
• Own day-to-day deal workstreams, coordinating diligence, analysis, credit papers, committee materials, term sheets, legal documentation and completion requirements.
• Present clear analysis and recommendations to senior stakeholders and contribute to credit discussions.
• Build trusted relationships with borrowers, advisers and intermediaries, developing a strong deal pipeline.
• Review work and share expertise with junior colleagues to improve quality and consistency.
• Work with debt finance, credit, legal and portfolio teams through origination to completion and ongoing monitoring.

Conocimientos

Accountancy experience

Commercial lending

Debt finance

Financial analysis

Credit judgement

Credit papers

Clear communication

Stakeholder management

Team development

Descripción del empleo

OakNorth is a digital bank for entrepreneurs, by entrepreneurs. We’re looking for a Senior Associate to join our Debt Finance team in Manchester, supporting lending to private equity and owner-managed businesses.

You’ll bring the analytical depth to understand how a business makes and uses cash, and the judgement to help shape lending solutions around its debt and working-capital needs. This is a hands-on, high-ownership role.