Associate Director – Origination

Shape the future of Origination at Cynergy Bank.

Join us as a Associate Director and make a real impact by helping ambitious businesses and individuals achieve their goals through our award-winning human digital banking model.

What’s the opportunity?

In this permanent role, you will support the origination and execution of new lending opportunities, working closely with internal and external stakeholders to assess deal viability, structure transactions, and guide deals through to completion. You will contribute to the delivery of high‑quality credit papers, financial analysis, and risk assessment while developing long‑term, commercially sustainable relationships with customers and key business introducers.

Where You will Work

You will enjoy hybrid working, with 3 days in our London office and 2 days from home.

Why Join Us?

We know the best people want more than just a job. At Cynergy Bank, you will find:

• Impact: This role directly supports the bank’s growth strategy by sourcing and executing high‑quality lending transactions, ensuring each deal aligns with our credit appetite and risk frameworks.

• Growth: A culture that champions curiosity, innovation, and personal growth at every stage.

• Flexibility: A culture that values work-life balance, supported by our hybrid working model.

• Rewards: Recognition for your skills and contribution, including annual bonus opportunities and a comprehensive benefits package.

How You Will Make an Impact

• Originate new lending opportunities and cultivate a strong professional network across customers, key business introducers and professional advisors.

• Conduct rigorous credit and risk assessments, including cashflow modelling, market analysis and customer due diligence.

• Produce high‑quality credit papers that clearly articulate deal structure, financial analysis, and risk considerations.

• Lead the execution of transactions including negotiation of LMA‑based facility agreements, review of third‑party reports, and management of completion timelines.

• Engage effectively with internal teams including Credit, Risk, Legal, and Operations to ensure smooth deal progression.

What You Will Bring

• Demonstrable experience in a similar lending or development finance role.

• Strong credit analysis expertise, including covenant evaluation and financial risk assessment.

• Advanced financial analysis and cashflow modelling capability.

• Experience delivering polished, insightful credit write‑ups.

• Proven transaction execution capability, including working knowledge of LMA facility agreements and valuation processes.

• Excellent communication skills with the ability to articulate complex financial information clearly.

• Strong relationship‑building and stakeholder‑engagement skills.

• Ability to work to timelines while maintaining high standards of accuracy and attention to detail.

How We  Will Support You

At Cynergy Bank, we are committed to your wellbeing and success. We know everyone’s needs are different, so our benefits are designed to support you at every stage of your career and life. Here is a snapshot of what we offer:

• A salary and bonus package designed to recognise your skills and contribution

• 25 – 30 days holiday (with the option to buy 10 more)

• Award-winning pension savings scheme

• Healthcare, life assurance, and income protection

• Hybrid working (3 days office, 2 from home)

• Training and development opportunities

Plus, a range of extras including lifestyle discounts, recognition awards, and volunteering initiatives, all designed to keep you supported and thriving. You can explore the full package here: cynergybank.co.uk/about-us/careers/benefits-and-rewards

Who Are We?

Cynergy Bank is the UK’s human digital bank, combining personal service with smart technology to help ambitious businesses and individuals achieve their goals. We know that professional and personal lives often overlap, so our mission is to support customers in all their interdependent banking needs. Since 2018, we have lent over £4bn to scaling businesses and partnered with leading firms to deliver the future of banking. Named Bank of the Year 2025 by MoneyAge, we are recognised for our commitment to customers, innovation, and tailored solutions. This award reflects our team’s dedication to delivering exceptional banking experiences, powered by cutting-edge technology.

Our values shape everything we do: Putting the customer first, Risk front and centre, Opportunity, empowerment and innovation, United team inclusive and diverse, and Doing the right thing. These principles guide our decisions, drive our culture, and ensure the best outcomes for our customers and colleagues. Learn more about us: cynergybank.co.uk/about-us

This advert covers the main responsibilities and requirements. A full job description will be shared with shortlisted candidates. If you don’t meet every requirement, we still encourage you to apply as we value potential as much as experience.

At Cynergy Bank, we use anonymous screening at the first stage of recruitment, ensuring every application is reviewed fairly, based on skills and experience alone.

The closing date for applications is Friday 13th March 2026. Please note, we may close the advert early if we receive a high volume of applications.

Apply now to help shape the future of human digital banking at Cynergy Bank.