Vacancies

Junior Credit Underwriter

We’re recruiting a Junior Credit Underwriter to join our Structured Finance and Credit Teams at Conister Bank’s Isle of Man office.

This role provides a structured development pathway into full underwriting competence, offering hands‑on training across credit analysis, portfolio management and structured finance frameworks. You’ll gain exposure to lending secured against receivables, block discounting facilities and asset‑backed structures for UK and Isle of Man wholesale customers.

Working closely with the Head of Structured Finance Credit and the wider Credit Team, you’ll support the assessment of both new and existing proposals, analysing financial and non‑financial information to ensure lending decisions remain aligned with the Bank’s credit appetite, policy and regulatory expectations. This role is ideal for someone with strong analytical ability, an interest in credit risk, and a desire to build deep technical underwriting expertise.

Join us to play a meaningful role in supporting responsible lending, strengthening portfolio quality, and contributing to the continued success of our business.

For a full job description or to apply, please see below.

Key Tasks and Responsibilities

In this role, you will:

• Prepare assessments based on the creditworthiness and risk profile of applicants.
• Review and analyse customer credit data, financial statements, cashflow forecasts, management information, budget planners and open banking data.
• Evaluate lending risks and make recommendations to the Head of Structured Finance Credit (HOSFC) and Head of Structured Finance (HOSF).
• Complete annual credit reviews for Structured Finance customers, recommending appropriate covenants, security structures and monitoring arrangements.
• Monitor portfolio performance, identifying early warning indicators and recommending actions in line with policy and appetite.
• Undertake QA and sample testing against eligibility and underwriting criteria for Structured Finance customers.
• Build and maintain collaborative relationships with internal and external stakeholders.
• Assess and approve credit proposals within your delegated authority and submit recommendations to the Credit Committee when required.
• Analyse affordability, financial crime risks and potential fraudulent behaviour.
• Stay up to date with Group lending protocols, policies and criteria.
• Demonstrate a commitment to ongoing learning and development in underwriting.
• Uphold service levels and promote the Group’s culture and values.

Principle Accountabilities

• Head of Structured Finance Credit
• Head of Structured Finance
• Credit Committee (where required)

Knowledge, Experience and Skills

The ideal candidate will have:

• Exposure to analysing financial statements, cashflow, credit bureau data and company registry searches.
• Understanding of relevant UK & IOM regulatory requirements relating to credit facilities, including KYC.
• Knowledge of Structured Finance products, such as block discounting or receivables finance is beneficial but not essential.
• Strong analytical skills with the ability to interpret financial and non‑financial data.
• Excellent communication and interpersonal skills, with the confidence to influence at all levels.
• Ability to work under pressure and meet tight deadlines.

Working Relationships

• Internal: Structured finance team, credit team, finance and compliance teams.
• External: External stakeholders related to Structured Finance portfolios (e.g., intermediaries, brokers, counterparties, auditors or advisers as applicable).

Decision Making Authority

As detailed in Personal Underwriting Authority Mandate and in accordance with the DLA Policy.

Test Analyst

We’re recruiting a Test Analyst to join our team at Conister Bank’s Isle of Man office.

In this role, you’ll play a key part in ensuring the quality, stability and success of the systems and products that support our customers and our wider business. You’ll work closely with teams across Change, IT and the wider organisation to make sure every solution is rigorously tested, fit for purpose, and ready for release.

This is a hands‑on and detail‑driven role that requires strong analytical ability, excellent organisational skills, and a proactive approach to improving how we design and deliver testing. From validating requirements to creating test strategies, managing testing cycles and ensuring issues are identified early, you’ll help us deliver change that is robust, reliable and customer‑focused.

Join us to contribute to meaningful transformation, enhance how we work, and make a direct impact on the quality of solutions delivered across the business.

For a full job description or to apply, please see below.

Key Tasks and Responsibilities

In this role, you will:

• Produce and maintain key testing artefacts, including Test Strategies, Test Cases and Test Summary Reports.
• Validate business requirements to ensure they are clear, concise and testable.
• Support design validation to ensure the proposed design meets business requirements and can be effectively tested.
• Schedule, plan and manage test cycles, ensuring all testing is sequenced and delivered efficiently.
• Provide regular progress updates to project teams and stakeholders.
• Collaborate with the Change Team, IT and external parties to improve testing approaches and ways of working.
• Contribute to the ongoing development of the testing framework.
• Produce testing estimates and support project planning activities.

Principle Accountabilities

Take full ownership of key testing tasks and deliverables throughout the project lifecycle.

Knowledge, Experience and Skills

The ideal candidate will have:

• Professional qualifications in testing (desirable).
• Proven experience as a Test Analyst, ideally within Banking, Insurance, or Investments.
• Experience working on large projects or programmes.
• Experience delivering a full range of testing artefacts.
• Strong proficiency with testing tools.
• Understanding of different project methodologies.
• Beneficial: ability to write or navigate basic SQL scripts.
• Beneficial: familiarity with automated testing tools.

Working Relationships

• Internal: Change Team, IT, and business teams across the MFG group.
• External: External partners or suppliers involved in testing or change delivery.

Compliance Manager

We’re seeking an experienced Compliance Manager to join our Isle of Man–based team, supporting both Isle of Man and UK regulated activities.

This is a key second-line role focused on providing robust compliance oversight, monitoring and advisory support across the Bank. You will play an important part in ensuring that regulatory risks are identified, managed and reported effectively, and that the Bank continues to operate in line with relevant regulatory requirements and best practice.

The role suits a confident compliance professional who combines strong technical knowledge with a pragmatic, solution-focused approach, and who is comfortable working closely with stakeholders at all levels of the business.

Key Tasks and Responsibilities

In this role, you will:

• Maintain a strong working knowledge of applicable Isle of Man and UK regulatory requirements relevant to the Bank.
• Monitor and assess regulatory developments, supporting impact assessments and the planning, implementation and embedding of regulatory change.
• Assist with the delivery of the Compliance Monitoring Plan, including scoping, testing, reporting and tracking remediation.
• Identify areas of compliance risk or control weakness and support the development of corrective actions.
• Maintain required regulatory registers, logs and records in line with FCA Sourcebooks and the Isle of Man FSA Rulebook.
• Support effective issue management, escalation and reporting of compliance risks.
• Contribute to management reporting by analysing compliance and risk data and providing insight on the regulatory control environment.
• Manage registers of PRA, FCA and FSA regulatory returns and notifications, ensuring accurate and timely submission.
• Provide ongoing compliance advice and guidance to the business, including support for projects, change initiatives and marketing activity.
• Support regulatory inspections, reviews and enquiries, including preparation, engagement and follow-up actions.
• Contribute to the delivery of compliance and financial crime training and promote a positive compliance culture across the Bank.
• Support the management of Isle of Man and UK Financial Ombudsman Service complaints where required.

Principle Accountabilities

To the Bank Head of Compliance.

Knowledge, Experience and Skills

The ideal candidate will have:

• Experience in compliance monitoring, oversight and reporting within a regulated financial services environment.
• A relevant professional qualification or equivalent industry experience (e.g. Compliance, Risk, Internal Audit or Legal).
• Working knowledge of Isle of Man FSA regulatory requirements and associated guidance.
• An understanding of UK regulatory frameworks applicable to banking and lending (FCA / PRA).
• Strong analytical skills with the ability to interpret data and identify trends and risks.
• Excellent written and verbal communication skills, with confidence engaging and influencing stakeholders.
• A high level of integrity, professionalism and attention to detail.
• The ability to work independently, manage competing priorities and meet deadlines.

Working Relationships

• Part of a Compliance team across both IOM and UK.
• Independent and direct access to the Company’s Responsible Officers, where regulatory appointments are in place.
• Unfettered access to all business lines and support departments, with the authority to examine business processes, documents and speak to any member of staff in order to accomplish stated objectives.

Management Accountant

We’re looking for a Management Accountant to join our Finance Team at Conister Bank’s Isle of Man office.

In this role, you’ll play a key part in supporting the financial health and strategic direction of Manx Financial Group PLC and its subsidiaries. You’ll contribute to the delivery of accurate, insightful financial reporting and analysis, helping to inform decision-making and drive performance across the Group.

Join us in supporting Conister Bank’s mission to provide financial excellence by monitoring performance, managing costs, assessing risks, and delivering strategic insights that drive informed decision-making.

For a full job description or to apply, please see below.

Key Tasks and Responsibilities

In this role, you will…

• Prepare accurate and timely monthly management accounts for Manx Financial Group PLC and its subsidiaries.
• Support financial reporting with journal entries, reconciliations, VAT and tax filings, and management pack preparation.
• Drive continuous improvement in reporting through KPIs, variance analysis, and trend insights.
• Collaborate with teams across the business, respond to financial queries, and support team development.
• Provide cover for senior finance roles and ensure compliance with internal policies and regulatory requirements.
   

Principle Accountabilities

You’ll report to the Head of Management Accounting and the Group Financial Controller, supporting the Finance Director and wider Finance Team in delivering accurate financial reporting and analysis across the Group.

Knowledge, Experience and Skills

The ideal candidate will have:

• A recognised accountant qualification, be part-qualified, or have relevant industry experience.
• Knowledge of IFRS, UK Accounting Standards, and ERP systems (preferably SUN and Xero).
• Working knowledge of relational database theory sufficient to perform database queries.
• Excellent Excel and numeracy skills.
• Strong organisation and communication skills.
• Ability to work under pressure and meet deadlines.
   

Working Relationships

• Internal: All business areas – particularly the Finance Team, Directors, and Senior Managers within the Group.
• External: Auditors, Sapphire Systems, and banking relationships.

Decision Making Authority

This is a non-authorised role. You’ll be an authorised signatory to release payments and act as a key support point for the wider business, but will not make financial decisions.