Cashflow Finance Analyst

TL;DR

Cashflow Finance Analyst (Financial Analysis/Credit): Evaluating SME lending opportunities and developing funding proposals with an accent on cash generation, debt service capacity, financial modelling, and credit risk. Focus on challenging forecasts, building downside sensitivities, structuring lending facilities, and coordinating transactions through approval, documentation, and completion.

Location: Hybrid role based in the London office, United Kingdom

Company

A fast-growing UK fintech focused on providing tailored lending solutions to established small and medium-sized businesses.

What you will do

• Participate in meetings with prospective clients and advisers to understand business models, financial performance, funding needs, and proposed transactions.
• Analyse accounts, management information, cashflow data, forecasts, earnings quality, leverage, liquidity, and debt service capacity.
• Build and challenge financial forecasts, transaction models, and base-case and downside sensitivities.
• Prepare financial analysis and credit submissions, formulate recommendations, and support discussions with Credit and other decision-makers.
• Help structure lending facilities, including size, tenor, repayment profile, pricing, covenants, and other key terms.
• Coordinate due diligence and manage transactions through approval, documentation, conditions precedent, completion, and CRM updates.

Requirements

• Strong financial analysis skills, including the ability to interpret complex financial statements, management information, and forecasts.
• Proficiency in financial modelling and sensitivity analysis covering cashflow, leverage, liquidity, debt service capacity, and covenant headroom.
• Commercial curiosity and sound judgement when assessing assumptions, risks, mitigants, and lending propositions.
• Clear written and verbal communication skills for presenting concise, well-supported recommendations.
• Strong Microsoft Excel skills and confidence working with financial models, plus competence in PowerPoint and Word.

Nice to have

• Experience in cashflow lending, leveraged finance, corporate banking, transaction services, audit, or another financially analytical role.
• Experience contributing to credit papers, investment papers, or transaction recommendations.
• Relevant accountancy, banking, or finance qualification, or progress towards one.
• Experience engaging with SME or mid-sized corporate clients and stakeholders.

Culture & Benefits

• Flexible and hybrid working environment.
• Full onboarding support and ongoing development opportunities.
• Regular social activities and family-friendly policies.
• Pension contributions and a discretionary bonus scheme.
• Private health cover and life assurance.