Vacancies
We are always on the look out for new talent... Could this be YOU?
Are YOU looking for a rewarding career?
We believe that our people are our most valuable commodity, and we strive to attract only the best people who will be the driving force behind our success. In return, we invest in their growth and reward them for their hard work, loyalty, and dedication.
We recognise that building and developing your career is important. We encourage our employees to grasp every opportunity available by adding to their skill sets and by supporting them through relevant qualifications.
The foundations of our business has been built upon our people being passionate about customer service. We've created a sustainable working environment with flexible working hours to support the well-being of our people and our ESG strategy, as we endeavor to continually reduce our carbon footprint.
Our people's success is driven by the Conister Code:
-
Customers - the excellence of service
-
Ownership - the attitude of excellence
-
Integrity - doing the right thing
Come and join our team...
If you are looking for a career change, are driven by success and are a person of value, we would like to hear from you.
Equal Opportunities
Conister Bank Limited recognises and actively promotes the benefits of a diverse workforce and is committed to treating all employees with dignity and respect regardless of race, gender, disability, age, sexual orientation, religion or belief. We therefore welcome applications from all sections of the community.
Reconciliations Manager
We're recruiting a Reconciliations Manager to join our Group Finance Department.
You will ensure that all critical financial reconciliations within the Group is done in a timely, accurate and in accord with accounting standards. In addition, you will provide assistance to the subsidiaries in regard to management information and analysis.
To excel in this role you will be part qualified accountant, or actively studying towards an accounting qualification, or have previous relevant work experience. You will also be able to work under pressure and meet deadlines, with strong knowledge of ERP systems.
For more information or to apply please see below.
Key tasks and responsibilities
- Overseeing a team, including collaborating with key stakeholders outside of the Finance department, to ensure effective resolution of reconciling items. This includes: IT and Operations, liaising with third party suppliers and finance teams across the Group.
- Producing balance sheet reconciliations and ensuring unusual discrepancies are resolved in a timely manner or escalated to senior management, as applicable.
- Contributing to and leading the launch of new automated initiatives, including purchase and sales ledger systems, RPAs, data-analysis tools.
- Compiling, maintaining and updating the reconciliation matrix to ensure that all critical reconciliations are identified and performed in the Group.
- Reviewing reconciliations prepared by others, querying the allocation and posting of outstanding and reconciled items.
- Training members within the team, upskilling individuals to develop their reconciliation skills.
- Adhering to the month-end timetable to ensure that reconciliations are completed by.
- Journal posting and month-end reporting activities.
- Ensuring compliance with internal controls and applicable accounting framework.
- Processing and timely release of electronic payments whilst ensuring payment release controls are maintained.
- Participating in adhoc projects as required.
- Maintain awareness and comply with all anti-money laundering legislation, regulations, policies and procedures relevant to the Group.
- Comply with all policies and procedures relevant to the role.
Principle Accountabilities
- Group Financial Controller
- Group Finance Director
Knowledge, Experience and Skills
- Part qualified accountant or actively studying towards an accounting qualification or previous relevant work experience
- Excellent excel and numeracy skills
- Attention to detail
- Excellent communication skills
- Ability to work under pressure and meet deadlines
- Knowledge of ERP systems (preferably SUN and Xero)
Working Relationships
- Managers within the Group.
- External Auditors
- Banking relationships
- Sapphire Systems
- All depts. within the Group
Competency Framework
- Judgement - Level 2
- Communication - Level 3
- Teamwork - Level 3
- Adaptability and Learning - Level 2
- Planning and Accountability - Level 2
- Using Technology - Level 3
Credit Analyst
We're looking for a Credit Analyst to join our Structured Finance team!
The Credit Analyst will support the Structured Finance Team in onboarding and monitoring its Structured Finance Portfolio by assessing and analysing key financial and credit information to ensure it is within the Banks credit appetite.
The successful candidate will assess new Structured Finance Credit proposals and make recommendations based on financial and non-financial performance, and will also assess key covenants (concentration, financial & customer loan performance) and make recommendations. You will also assess and monitor existing Structured Finance customers in-life, including monitoring of the key covenants, financial and non-financial, and overall performance covenants, review trends and be able to make recommendations.
For a full job description or to apply please see below.
Key tasks and responsibilities
- Evaluate a customers credit data and financial statements in order to determine the degree of risk involved in lending to them.
- Preparing reports and assessments based upon the credit worthiness and risk of a counterparty
- Evaluating financial status of customers by producing financial ratios
- To analyse audited accounts, management information, forecast cashflow, budget planners and open banking data.
- Assess loan book trends and make recommendations to improve the credit risks to the Bank based on the Bank’s appetite and underlying strategy.
- Monitor financial and non-financial covenants set for customers and provide information on any non-compliance to the Head of Structured Finance Credit, Head of Structured Finance or Head of Credit and Underwriting
- To review and approve Structured Finance clients onboarding and drawdown requests.
- To build and maintain flexible working relationships with internal and external stakeholders.
- To assess and approve broker introduced credit proposals within your delegated authority and make credit recommendations to the Credit Committee where required.
- Provide recommendations tied to analysis and assessment of credit risk.
- Keep up to date with the Groups lending protocols.
- Reconcile credit files and identify discrepancies and variances.
- Promote the Groups culture and values.
- Develop and prepare spreadsheets and models to support analysis of new and existing customers.
- Understand and comply with internal policies to all credit related policies.
- To adhere to service levels.
- Ad hoc projects.
Principle Accountabilities
- Head of Structured Finance Credit
- Head of Structured Finance
- Head of Credit and Underwriting
- Credit Committee (where required)
Knowledge, Experience and Skills
- Experience in sanctioning credit facilities within banking or asset finance industries.
- Have a finance and accounting degree level qualification or equivalent.
- Ability to undertake detailed analysis of credit applications utilising financial statements, cashflow, credit reference agency searches, searches of company registries etc.
- Understand the relevant UK & IOM Regulatory requirements relating to the provision of credit facilities in these jurisdictions.
- Proven experience working in an analytical / credit role within the financial services industry.
- Understand the relevant UK Regulatory requirements relating to the provision of credit facilities in these jurisdictions including KYC processes.
- Impeccable understanding of financial statements, ratios, and concepts of lending.
- Understanding of the relevant Regulatory requirements relating to the provision of credit facilities.
- Excellent interpersonal and communication skills are essential as this role will involve influencing at all levels.
- Good verbal and numerical skills
- Ability to work under pressure and to tight deadlines.
- Planning and organisational skills.
- Excellent attention to detail and ability to notice discrepancies in data.
- Highly numerate and proficient in MS Office.
- Work produced to high standards
- Professional detailed conscientious approach to work
- Knowledge of Block Discounting, purchase/assignment of receivables and wider Structured Finance products.
Working Relationships
- Head of Structured Finance Credit
- Head of Structured Finance
- Head of Credit and Underwriting
- Structured Finance Team
- Credit Team
- Finance Team
- Compliance Team
Decision Making Authority
- As detailed in Personal Underwriting Authority Mandate and in accordance with the Credit Policy
Core Competencies
- Customer Focus - Level 3
- Teamwork - Level 3
- Communication - Level 3
- Adaptability and Learning - Level 3
- Planning and Accountability - Level 3
- Using Technology - Level 3
