Senior Associate (Debt Finance)

Location: Manchester, United Kingdom; hybrid

Company

hirify.global is a digital bank supporting entrepreneurs and businesses across the UK and US through technology, credit expertise, and business lending.

What you will do

• Assess lending opportunities involving private equity and owner-managed businesses, analysing business models, sectors, management teams, financial profiles, and credit profiles.
• Build and review financial models covering cash-flow forecasts, debt sizing, repayment capacity, sensitivities, and downside scenarios.
• Identify transaction risks, develop practical mitigants, and shape facility structures and terms with originators, credit colleagues, and stakeholders.
• Own day-to-day deal workstreams, coordinating diligence, analysis, credit papers, committee materials, term sheets, legal documentation, and completion requirements.
• Present recommendations to senior stakeholders, contribute to credit discussions, and build relationships with borrowers, advisers, and intermediaries.
• Review work and support junior colleagues while coordinating with debt finance, credit, legal, and portfolio teams through completion and ongoing monitoring.

Requirements

• Strong experience in accountancy, commercial lending, debt finance, or a closely related area, with ownership of complex transaction workstreams.
• Relevant exposure to businesses and their financing needs.
• Excellent financial analysis and modelling skills, including cash-flow assessment, debt sizing, and downside analysis.
• Sound credit judgement, including the ability to identify material risks, test assumptions, and explain conclusions clearly.
• Experience preparing or reviewing credit papers, committee materials, term sheets, or transaction documentation.
• Confidence managing multiple stakeholders and workstreams while maintaining accuracy and attention to detail.
• Clear written and verbal communication, including the ability to explain complex analysis to specialist and non-specialist audiences.
• A collaborative, low-ego approach and genuine interest in supporting colleagues’ development.

Culture & Benefits

• Meaningful ownership of live transactions and the opportunity to influence lending structures.
• Close partnership with experienced originators and credit colleagues, with access to senior decision-makers.
• A varied portfolio of businesses and financing situations, with opportunities to deepen expertise in trading and wholesale lending.
• A collaborative environment focused on commercial thinking, sound judgement, and high standards of execution.