Financial Modelling Manager – Wholesale Banking

Overview

In this role you will build and enhance cash-flow models to support wholesale lending and investment activity at a growing challenger bank. You will work with senior Wholesale Banking and Finance stakeholders to evaluate opportunities, model asset cash flows, and shape the modelling infrastructure for scale. Your work will influence deal evaluation, structuring and monitoring, while extending models into broader reporting contexts. This is a formative, high-visibility position with hands-on impact on a expanding wholesale platform.

Responsibilities

• Build cash-flow models for CRE, warehouse finance and other structured lending transactions
• Analyse underlying loan and asset-level data
• Cleanse and validate data tapes for prospective transactions
• Perform DCF, NPV, IRR, ROE and hurdle-rate analyses
• Run sensitivity, stress and scenario analyses across transaction assumptions
• Assess leverage, repayment profiles, asset performance and transaction economics
• Develop new modelling tools and frameworks to support growth of the wholesale business
• Improve scalability and automation of models as volumes grow
• Present modelling outputs and commercial insights to senior Finance, Treasury and Wholesale stakeholders
• Own established finance models for interest rate, hedge effectiveness and fair-value calculations for financial reporting

Key requirements

• Strong hands-on cash-flow modelling experience in capital markets, structured finance or lending environments
• Experience across: ratings agencies; structured finance or securitisation; CRE finance; warehouse finance; structured credit; capital markets; investment banking; specialist lenders or challenger banks; transaction modelling or financial advisory teams
• Demonstrated ability to build and manipulate financial models personally
• Proficiency in DCF, NPV, IRR; sensitivity and scenario analysis; loan-level or asset-level data; portfolio analysis; complex Excel modelling
• Experience with Python, SQL or VBA is advantageous
• Exposure to EIR, hedge effectiveness or fair-value modelling beneficial but not required
• Accounting background not essential if strong modelling capability
• Unknown education requirements

• Strong analytical thinking
• Clear communication with senior stakeholders
• Collaborative and cross-functional working style
• Cash-flow modelling
• DCF/NPV/IRR analysis
• Sensitivity and scenario analysis

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