Associate - Structured Finance
Kroo BankLondon, England, United Kingdom
Posted February 27, 2026
Full Time
About the Company
We’re a fully regulated UK bank, backed by long-term investors, with a growing customer base and big ambitions. We move fast, think carefully, and hold ourselves to the highest standards, whether that’s how we engage with our customers, build products, manage risk, or look after our people.
Job Description
We're building a better bank from the ground up, putting customers first, treating money responsibly, and using technology to make everyday banking simpler, fairer, and more transparent. As an Associate in Structured Finance, you will support the origination, structuring, execution, and ongoing management of structured lending transactions.
Requirements
- Support the Head of Structured Assets in originating structured lending opportunities
- Develop and maintain detailed financial models for asset backed and cash flow lending transactions
- Prepare indicative terms and commercial proposals, including assessment of RWAs, RAROC, ROE, and NIM
- Prepare clear, well evidenced credit papers for Executive Committee, Credit Committee, and Board level review
- Coordinate and support detailed borrower, sponsor, and originator due diligence
- Analyse financial statements, business plans, collateral performance, and cash flow forecasts
- Identify, document, and monitor key risks including market, operational, legal, and concentration risks
- Work closely with internal and external legal counsel to support negotiation of facility agreements and transaction documentation
- Coordinate completion mechanics including conditions precedent tracking, internal approvals, funding and treasury requirements, and operational readiness to ensure smooth execution
- Monitor portfolio performance and covenant compliance, identify early warning indicators, and escalate emerging risks in line with governance expectations and risk appetite
- Conduct annual reviews and credit re assessments, maintain accurate reporting, and contribute to continuous improvement of portfolio monitoring, credit processes, and management information
Benefits
- Generous holiday time
- Personal days
- Employer-sponsored volunteer program
- Mental health support
- Workplace pension
- Top-notch equipment
- Modern office
- Cycle to Work scheme
- Electric Car scheme
- Enhanced parental leave
- Room for growth
- Full healthcare for you and your nuclear family via Vitality