At Secure Trust Bank, we've spent over 70 years helping customers and businesses achieve their ambitions. Today, we're building the next chapter—combining deep financial expertise with a modern, digitally enabled approach to become the UK's most trusted specialist lender. We're now launching a new structured lending product within our Speciality Finance team—and we're looking for an analytical, curious, and driven individual to help shape it from the ground up. This isn't just a role where you'll analyse data—you'll influence lending decisions, help manage risk, and contribute to the growth of a new product in a collaborative, forward‑thinking team.
Deep dive into data & risk
Responsibilities
* Analyse loan portfolios, borrower profiles, and performance trends
* Identify patterns, risks, and opportunities within complex datasets
* Develop early warning indicators to flag emerging issues
* Build impactful financial models
* Create and maintain robust Excel models for cashflow forecasting and stress testing
* Model structured lending scenarios, including cashflow waterfalls and sensitivities
* Support deal structuring, pricing, and portfolio optimisation
* Support lending decisions
* Contribute to credit assessments and due diligence
* Prepare clear, high‑quality credit papers for stakeholders
* Support transactions from initial evaluation through to completion
* Monitor and communicate performance
* Produce insightful reporting with clear commentary and recommendations
* Track key metrics, covenants, and portfolio health
* Help ensure documentation is accurate, consistent, and audit‑ready
Qualifications
* Experience in credit analysis, financial modelling, or structured lending
* Strong Excel skills (e.g. cashflow modelling, scenario analysis)
* Confidence working with financial data and interpreting financial statements
* A sharp analytical mindset and attention to detail
* The ability to communicate complex ideas clearly and effectively, Exposure to speciality finance, private debt, or real estate finance
* Experience with SQL or data analysis tools
* A relevant qualification (e.g. ACA, CFA) or equivalent experience
How We Work
* Curious & proactive – you ask questions and look for better ways of doing things
* Collaborative – you value teamwork and shared success
* Accountable – you take ownership and follow through
* Customer‑focused – you understand the impact of your work on real people and businesses
* Risk aware – you balance opportunity with sound judgement
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