Associate Director – Structuring, Trade and Working Capital Solutions (Transaction Banking)

Location: London; hybrid working with at least 3 days per week, or 60% of working time, in the office.

Company

hirify.global is a major UK banking organisation focused on serving customers, colleagues, and communities through financial services.

What you will do

• Act as a client-facing structuring partner for corporate and institutional clients, understanding requirements and developing trade and working capital proposals.
• Structure and negotiate term sheets for trade finance, commodity and export finance, supply chain finance, receivables and invoice finance, asset finance, and related solutions linked to cash management, payments, FX, and digital assets where applicable.
• Lead transaction due diligence and financial modelling covering cash flows, pricing, returns, sensitivities, structural assumptions, and key risks.
• Coordinate product, operations, technology, risk, legal, implementation, markets, coverage, and sales stakeholders to confirm readiness, documentation, funding costs, approvals, and product exceptions.
• Prepare product analyses, Product Papers, credit limit recommendations, and approval materials, supporting underwriting, credit approval, documentation, negotiation, and closing.
• Improve structuring practices, controls, and propositions while supporting junior colleagues and escalating material risks or control weaknesses.

Requirements

• Experience in transaction banking, trade finance, working capital, asset-backed lending, securitisation, asset finance, credit underwriting, or a related structuring and execution role, with good knowledge of relevant trade and working capital products.
• Experience shaping, structuring, and executing customised transactions for corporate and/or financial institution clients, including term sheets, due diligence, product approvals, documentation, and closing.
• Strong financial modelling skills across different transaction structures, including cash flow, pricing, returns, sensitivities, and key assumptions.
• Working knowledge of credit, legal documentation, product governance, operational readiness, and transaction execution, including the respective roles of coverage, sales, product, underwriting, credit risk, and implementation.
• Strong commercial judgement and the ability to assess client needs, transaction economics, and risk, develop recommendations, and escalate complex or material matters.
• Effective client communication, collaboration, negotiation, and presentation skills, with the ability to manage priorities and support junior colleagues.

Nice to have

• Relevant professional qualification in treasury, banking, finance, risk, or a related discipline.
• Awareness of digital trade, tokenised money, digital payments, or emerging settlement models.
• Exposure to product development, proposition design, or process improvement.
• Understanding of corporate treasury and working capital operating models, including centralisation and multi-entity structures.
• Experience across multiple trade, working capital, or adjacent transaction banking products.

Culture & Benefits

• Commitment to diversity, equity, inclusion, learning, and development.
• Reasonable workplace adjustments are available, including flexibility in office attendance, location, and working patterns.
• Pension contribution of up to 15%, annual performance-related bonus, and share schemes including free shares.
• 30 days of holiday plus bank holidays, adaptable lifestyle benefits, wellbeing initiatives, and generous parental leave policies.

Hiring process

• Apply through the hirify.global careers application for Job ID 163518.
• Applicants with a disability, long-term health condition, or neurodivergent condition who meet the minimum criteria may qualify for an interview through the Disability Confident Scheme.