Application Deadline: 26 September 2025

Hybrid Working Pattern: 3 days in Office & 2 WFH

About us

Cynergy Bank is the UK’s human digital bank serving the needs of ‘scale up’ or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals, in essence those market segments that still value human service enabled by great technology.

We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their interdependent banking needs. We provide a comprehensive range of digitally enabled products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers.

Our human and digital model transforms banking for customers who still value a face-to-face relationship that is enabled by the latest digital technology.

We partner with firms such as Google Cloud, Cigniti and Slalom as we continue to innovate in the human digital space.

Cynergy Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits with Cynergy Bank plc are protected by the UK Financial Services Compensation Scheme.

For more information on Cynergy Bank visit www.cynergybank.co.uk

Company Benefits

• Competitive Salary and Company Bonus
• Competitive holiday allowance plus bank holidays
• Option to purchase an additional 10 days holiday
• Pension contribution and Life Assurance
• Income Protection Scheme and Season Ticket Loan
• Medical Cover (After Probation)
• Electric Car Scheme and Money Coach (After Probation)

The Role:

This is an entry-level role designed to provide a strong foundation in credit risk management. The successful candidate will be trained across a broad range of credit risk disciplines including credit assessment, approvals, portfolio monitoring, and regulatory compliance. The role offers exposure to both operational and analytical aspects of credit risk, with a clear development pathway. It covers all areas of real estate finance, providing the graduate with a comprehensive understanding of lending practices, risk evaluation, and portfolio oversight within this sector. Data analysis is a key part of the role, and strong skills in Microsoft Excel are essential for success.

Responsibilities:

• Assist in the preparation and review of credit applications, learning to assess quality, policy compliance, and risk mitigants.
• Support the credit approvals process, including preparing documentation for internal committees.

• Contribute to the maintenance of credit risk manuals, procedures, and governance frameworks.

• Participate in Watchlist reviews and Annual Renewal QA processes.

• Help produce reports on portfolio performance and identify emerging risks.

• Support root cause analysis of credit risk events and contribute to procedural improvements.

• Collaborate with stakeholders across the business to ensure consistent credit standards.

• Assist in setting and reviewing credit risk appetite and policy.

• Participate in projects aimed at improving credit risk processes and systems

Training & Development Provided

• Credit assessment and lending policy fundamentals.

• Approvals process and committee governance.

• Risk frameworks including Basel and IFRS9.

• Regulatory compliance and audit preparation.

• Data analysis tools (Excel, Power BI, SQL, Python).

• Communication and stakeholder engagement.

• Professional development through mentoring and structured learning.

Desirable Attributes

• Internship or placement experience in banking or financial services.

• Familiarity with credit risk concepts or financial analysis.

• Exposure to data tools or programming languages is a plus.

Requirements of role:

• A degree (2:1 or above) in Finance, Economics, Mathematics, Business, or a related field.

• Strong analytical and problem-solving skills.

• Excellent written and verbal communication.

• Proficiency in Microsoft Excel, Word, and PowerPoint.

• Eagerness to learn and contribute in a fast-paced, regulated environment.

• Interest in commercial lending, real estate, and financial services.