Realising Potential

Junior financial accountant

The Role:

As a junior financial accountant, you will be an integral part of the financial reporting team, focused on ensuring the accounting system is accurate, up-to-date and aligned with the applicable accounting standards, preparing the monthly management accounts, performing daily bank reconciliations and assisting with the statutory and different funding line audits.

Reporting to: Head of Finance

Responsibilities include (but are not limited to):

• Prepare daily bank reconciliations and ensure outstanding items are cleared timeously
• Prepare weekly cash flow forecasts to ensure optimal use of liquidity
• Ensure the accounting system accurately and completely represents the nature of all transactions across all group entities (including prepayments and accruals)
• Assist the Head of Finance with the development of and evolution of financial controls and processes to ensure compliance with internal policies and external regulations
• Prepare the monthly management accounting pack and ensure the financial information contained therein is of high quality and accurate
• Produce monthly balance sheet reconciliations and be a point of contact for all balance sheet related queries and analysis
• Support and assist the Head of Finance and the Head of Financial Operations with the statutory and funding line audits and ensure that all deadlines are met and address audit findings and recommendations in a timely manner
• Work with the Head of Finance to ensure compliance with the applicable accounting standards and regulations
• Ad hoc duties as required by the CFO, Head of Finance and Head of Financial Operations

Skills and Qualifications:

• Newly qualified ACA or similar, preferably with financial services experience
• Ability to deliver with exceptional levels of accuracy and has fanatical attention to detail
• Self-motivated, able to work under pressure and driven to succeed
• Strong communication skills both written and oral
• Ability to analyse and dissect information and present results in a logical and understandable format for all stakeholders across the business
• Proficient in Excel and other Microsoft applications; experience with accounting software (Sage, Xero or similar) a plus
• Growth mindset and ability to adapt to changing business requirements in a fast-paced business environment

Details and benefits:

• Duration: Permanent
• Employment Type: Full Time
• Salary: market related depending on experience
• Leave: 25 days annual leave
• Location: Office based role, 5 days a week (9am-6pm) – Finchley Road, NW London. Convenient location with easy access to public transportation (Metropolitan, Jubilee, Thameslink and Overground)
• Comprehensive benefits package
• Dynamic and collaborative work environment
• Start Date: ASAP

Funding & Operations Officer

The Role:

As a Funding & Operations Officer, you will be an integral part of the financial operations team, primarily focused on proactive supporting Head of Financial Operations and or responding to client’s enquiries. Your role includes:

• Preparing accurate and detailed statements of loan accounts for both internal and external use. 
• You will also be liaising with all departments and assisting with our final pay out checks to ensure that the loans disbursed adhere to the company’s policies and procedures.
• You will be assisting with the preparation of files for our external audits.
• You will be working with Salesforce and communicating with our bookkeepers regularly.
• It will be in your hands to drive this role forwards and create value for the company aside from the key responsibilities mentioned below.

Reporting to: Head of Financial Operations

Responsibilities include (but are not limited to):

• Responding to client queries.
• Reconciling customers’ loan accounts and where necessary ensuring that any discrepancies are dealt with.
• Working with third party direct debit platform called GoCardless.
• Providing administrative support to the Head of Financial Operations and to our solicitors
• Undergoing final checks on loan applications prior to funding, ensuring that credit conditions put in place are met and that the information provided on file is in line with internal policies and legal requirements.
• Working with credit reference agencies- TransUnion, Experian, Equifax
• Working with Land Registry’s online portal
• Working with CIFAS- fraud prevention organisation
• Working with Microsoft Excel
• Ad hoc duties

Skills and Qualifications:

• Minimum of two or three years of work experience in general ledger, financial administration   or similar financial role.
• Strong numeracy skills.
• Good understanding of the legal complexities of loan agreement, debt security, payment plans, and interest rates.
• Ability to understand credit reports both business & personal.
• Ability to read and understand any data matched on CIFAS (fraud prevention organisation)
• Good written and verbal communication skills.
• Problem solving skills.
• Basic level of excel.
• High attention to detail – thoroughness and accuracy.
• Ability to maintain an organised system and process in a dynamic environment.
• Ability to prioritise and handle multiple tasks at any given time.
• Ability to keep calm under pressure and a diplomatic but firm manner.
• Ability to work on your own as well as in a team environment.
• Excellent communication skills.
• Good analytical skills.

Desirable:

• Prior experience in an accounts payable or financial support role -minimum 2-3 years.
• A-Level or above in Mathematics and English.
• Good knowledge of Microsoft Excel

Details and benefits:

• Duration: Permanent
• Employment Type: Full Time
• Salary: market related depending on experience
• Leave: 25 days annual leave
• Location: Office based role, 5 days a week (9am-6pm) – Finchley Road, NW London. Convenient location with easy access to public transportation (Metropolitan, Jubilee, Thameslink and Overground)
• Start Date: ASAP

Senior Credit Underwriter

The Role:

As a senior credit underwriter, you will be an integral part of the credit underwriting team and contribute to the credit philosophy of the business. You will be joining a growing team with an entrepreneurial, commercial mindset and make-work attitude. You will predominantly cover our unsecured and secured business loan offerings with exposure to our asset finance and property development products. Successful applicants will be granted a sign-off mandate and be expected to contribute towards streamlining the end- to-end processing of credit decisioning and development of junior team members.

Reporting to: Head of Credit

Responsibilities include (but are not limited to):

• Assess and analyse credit loan applications for serviceability and affordability in line with the credit underwriting policy
• Conduct second reviews of credit recommendations as part of our four-eye underwriting process
• Accurately report findings from investigations into non-performing loans, providing feedback to the team and senior management
• Play an active role in monthly credit committee meetings, articulating credit views to the wider business and executive committee
• Contribute to process improvements, ensuring continuous evolution through the adoption of advanced technological solutions
• Support day-to-day operations to maintain service level agreements (SLAs)

Skills and Qualifications:

• 4 years SME lending experience with previous signing mandate required
• Self-motivated, able to work under pressure and driven to succeed
• Strong communication skills both written and oral
• Ability to analyse and dissect information and present results in a logical and understandable format for all stakeholders across the business
• Growth mindset and ability to adapt to changing business requirements in a fast-paced business environment

Details and benefits:

• Duration: Permanent
• Employment Type: Full Time
• Salary: Market related depending on experience
• Leave: 25 days annual leave
• Location: Office based role, 5 days a week (9am-6pm) – Finchley Road, NW London. Convenient location with easy access to public transportation (Metropolitan, Jubilee, Thameslink and Overground)
• Start Date: ASAP