Finance Analyst
“Where technical finance meets meaningful impact”
At Castle Trust Bank we pride ourselves in being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers.
What you’ll lead and deliver:
We are seeking a Finance Analyst to join our Finance team in a key technical and analytical role. You will hold primary responsibility for the development, maintenance and enhancement of financial models that support management decision‑making, forecasting and statutory reporting.
The role provides specialist expertise across critical areas of Finance, including IFRS accounting, impairment modelling and hedge accounting. You will contribute to month‑end and year‑end processes while working closely with senior stakeholders and external auditors to ensure robust, well‑governed financial outputs.
This is an excellent opportunity for a graduate with proven, demonstrable post-graduation work experience looking to deepen their technical capability within a regulated banking environment.
You will:
- Support the Senior Accountant in the preparation of financial statements and profit verification for Group companies
- Act as a key contact for external auditors on technical and modelling matters
- Prepare and maintain technical accounting papers
- Review and enhance the control framework around financial models supporting monthly and statutory reporting
- Research changes to IFRS and assess their impact on the business
- Run and analyse the Stage 3 Property IFRS 9 model, explaining key movements and drivers
- Prepare discounted cash flow models for IFRS 9 impairment, supporting provisions for individually assessed property cases
- Prepare and operate hedge accounting models, producing accounting entries and supporting monthly reporting outputs
- Prepare and run amortised cost and Effective Interest Rate (EIR) models to calculate interest income, fee amortisation and balances
- Monitor and continuously develop key Finance models, including amortised cost, EIR, conditional prepayment curves and hedge accounting
- Prepare management information on a monthly basis for review by senior stakeholders. Provide relevant analysis and be receptive to challenge and review comments
This is a hybrid role based in our London office, with flexibility to work 2 days from home per week.
What you’ll bring:
We are looking for an individual with a professional and diligent approach to their work and the communication ability to influence teams. Alongside strong planning and organisational ability, you will be able to anticipate and resolve challenges and proactively overcome obstacles, whilst supporting and collaborating with team members. In addition, you will have the following experience:
Essential
- Bachelors Degree graduate with a minimum 2:1 or equivalent in a relevant discipline (e.g Finance, Engineering, Physics, Mathematics, Economics, Computer Science)
- IFRS9 – knowledge and understanding
- Financial services or general capital markets experience
- Financial modelling experience
- Financial reporting or financial accounting experience
- Excel capability – intermediate level (to include IF formulae, LOOKUPs, PIVOTs, able to work with large datasets)
- Working well independently/autonomously
- Highly organised
Desirable
- IFRS 9 provisioning experience
- UK banking experience
- Exposure to mortgage products
- Part-qualified accountant (ACCA, CIMA, ACA or equivalent)
- Understanding of hedge accounting
- Numerical/analytical discipline
Why join Castle Trust Bank?
- Competitive salary
- Performance bonus (based on individual and company performance)
- Generous contributory pension through Hargreaves Lansdown
- Life Assurance
- 25 days’ holiday + option to buy/sell 5 days
- Additional paid volunteering day
- Private healthcare through Equipsme (includes cash back for Dental and Optical treatment)
- Free access to BHSF Rise EAP to support colleague health and wellbeing
- Gym discounts
- Season ticket travel loans (if applicable)
- Hybrid working (3 days in London)
- A supportive, inclusive culture where your work has real impact
Caught your attention? If so, we’d love to talk to you and tell you more about what it’s like to work at Castle Trust Bank - The Place To Work!
Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.
We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact [email protected]
https://www.castletrust.co.uk/careers/who-we-are
Skills Required
- Bachelor's degree (minimum 2:1) in Finance, Engineering, Physics, Mathematics, Economics, Computer Science or relevant discipline
- Knowledge and understanding of IFRS 9
- Financial services or general capital markets experience
- Financial modelling experience
- Financial reporting or financial accounting experience
- Excel capability - intermediate (IF formulae, LOOKUPs, PivotTables, work with large datasets)
- Ability to work independently/autonomously
- Highly organised
- IFRS 9 provisioning experience
- UK banking experience
- Exposure to mortgage products
- Part‑qualified accountant (ACCA, CIMA, ACA or equivalent)
- Understanding of hedge accounting
- Numerical/analytical discipline
What We Do
Traditional financial service providers are often burdened with costly overheads including expensive branch networks, inflexible technology and huge armies of people. At Castle Trust Bank, we keep our overheads to a minimum and we use savings proceeds to fund our lending solutions. In the past, we offered investment products to our customers which proved very popular. As a bank, we now offer savings accounts, giving our customers the added benefit of FSCS protection for their deposits. Our history means that we have a strong understanding of what our customers need and have built our savings range with those customers and their needs front of mind. In a complex world, we strive for openness and clarity. We place the highest importance on treating our customers fairly not just because it's the right thing to do but because we know that the trust of our customers is crucial to our future success. We recognise that for many mortgage customers, traditional solutions don't cut the mustard. These customers can often have high quality assets but unconventional income and so find it difficult to borrow at reasonable rates and on sensible terms. What experienced buy to let investors need is lending with imagination. They need a lender that recognises cash flow and net worth are not the same thing. They need a lender that is flexible in their approach and makes considered, logical decisions. Castle Trust Bank is that lender. We also offer point of sale finance through our Omni Capital Retail Finance arm. Partnering with retailers nationwide, we support their business by offering finance plans to their customers. OmniPort technology gives retailers paperless credit approval which fits seamlessly with their sales processes and customers can use our dedicated customer portal to keep up to date with their loans
