Finance Analyst

About the organisation

Castle Trust Bank is a fintech challenger bank focused on specialist property mortgages, retail finance lending, and savings products for a broad customer base. The business combines financial services expertise with a technology-led mindset and operates in a regulated banking setting.

Role overview

This Finance Analyst position is a technical and analytical role within the Finance team. The successful candidate will own the creation, upkeep, and improvement of financial models used for management insight, forecasting, and statutory reporting. The role also involves specialist work in IFRS accounting, impairment modelling, and hedge accounting, while supporting month-end and year-end cycles and partnering with senior stakeholders and external auditors.

This opportunity is well suited to a graduate who already has demonstrable post-graduation work experience and is looking to strengthen technical finance capability in banking.

Key responsibilities

• Assist the Senior Accountant with preparing financial statements and verifying profit for Group entities.
• Serve as a main point of contact for external auditors on technical and modelling topics.
• Draft and maintain technical accounting papers.
• Strengthen and review the control environment around financial models used for monthly and statutory reporting.
• Investigate updates to IFRS standards and evaluate their effect on the business.
• Operate and analyse the Stage 3 Property IFRS 9 model, including explanation of major movements and underlying drivers.
• Build discounted cash flow models for IFRS 9 impairment and support provisions for individually assessed property cases.
• Develop and run hedge accounting models, produce accounting entries, and support monthly reporting outputs.
• Prepare and use amortised cost and Effective Interest Rate (EIR) models to determine interest income, fee amortisation, and balances.
• Monitor and improve core finance models, including amortised cost, EIR, conditional prepayment curves, and hedge accounting.
• Produce monthly management information for senior review, including analysis and responses to challenge and review comments.

Working arrangement

This is a hybrid position based in the London office, with the flexibility to work from home for 2 days each week. The employer also notes a hybrid structure of 3 days in London.

Candidate profile

The ideal candidate is professional, careful in their work, and able to communicate persuasively with different teams. Strong planning and organisation are important, along with the ability to anticipate issues, resolve problems proactively, and collaborate effectively with colleagues.

Essential requirements

• A bachelor’s degree at 2:1 level or above, or an equivalent qualification, in a relevant subject such as Finance, Engineering, Physics, Mathematics, Economics, or Computer Science.
• Practical understanding of IFRS 9.
• Experience in financial services or broader capital markets.
• Hands-on financial modelling experience.
• Background in financial reporting or financial accounting.
• Intermediate Excel skills, including IF formulas, LOOKUPs, PIVOTs, and handling large datasets.
• Ability to work independently and take ownership of tasks.
• Strong organisational skills.

Desirable experience

• Exposure to IFRS 9 provisioning.
• Experience in UK banking.
• Familiarity with mortgage products.
• Part-qualified accountancy status such as ACCA, CIMA, ACA, or equivalent.
• Knowledge of hedge accounting.
• Strong numerical and analytical discipline.

Benefits and rewards

• Competitive salary.
• Performance bonus tied to individual and company results.
• Employer pension contribution through Hargreaves Lansdown.
• Life assurance cover.
• 25 days of annual leave, with the option to buy or sell up to 5 additional days.
• An extra paid volunteering day.
• Private healthcare via Equipsme, including cashback for dental and optical treatment.
• Free access to the BHSF Rise Employee Assistance Programme for wellbeing support.
• Gym discount benefits.
• Season ticket travel loans where applicable.
• A supportive and inclusive environment with the chance to make a meaningful contribution.

Equal opportunity and accessibility

Castle Trust Bank is committed to fair hiring and welcomes applicants from all backgrounds. Recruitment decisions are based on merit, without discrimination on protected characteristics. The organisation also supports candidates with disabilities and operates as a Disability Confident employer. Applicants who meet the minimum criteria for the role are guaranteed an interview. Reasonable adjustments can be requested during the application process.

Additional information

The company describes itself as a place to work where colleagues can have real impact. Contact for reasonable adjustments is available via the hiring team.