Cashflow Finance Associate

About Allica Bank

Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.

Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.

Department Description

Allica Cashflow Finance delivers lending to meet the funding needs of growing established, profitable businesses who do not have tangible collateral available to offer in support.

Our growing team of specialists share a common focus on structuring funding solutions for those clients and delivering an exceptional relationship experience.

During the origination process, we gain a deep understanding of each business. This informs both facility structuring and risk management as well as providing the foundation of our ongoing relationship.

Role Description

The Cashflow Finance Associate will play a pivotal role in supporting and assisting the Regional Leads with the origination, structuring, and completion of new-to-bank opportunities. During this process, the Associate will help gather, analyse, and interpret a considerable amount of client and market information — ensuring it is presented clearly and persuasively.

This is a dynamic, hands-on role at the heart of our client origination and delivery process. The Associate will act as a key link between the bank, prospective clients, and professional advisers, ensuring a smooth and efficient client journey from first introduction through to facility completion. Working closely with internal stakeholders and our panel firms, the role offers direct exposure to senior decision-makers and a deep understanding of how lending solutions are structured and executed.

Beyond technical excellence, this is a fantastic opportunity for someone who wants to develop a career in cashflow finance, gaining insight into deal-making, relationship management, and credit risk analysis within a fast-growing environment. You’ll be part of a collaborative team that values initiative, analytical thinking, and a passion for delivering outstanding client outcomes.

Principal Accountabilities

• Collation, organisation and presentation of transaction-related information, including financials.

• Working with a range of financial information including year-end accounts, management accounts and forecasts and presenting these using Allica templates.

• Maintaining accurate and current pipeline records using Allica CRM system.

• Engagement with other team members to ensure efficient progress of new business opportunities as they transition to completion and into relationship management.

• Complying with all mandatory policies and develop and adhere to operational procedures to maintain a strong internal control environment.

Personal Attributes & Experience

• An ambitious and naturally proactive individual, eager to contribute to the success of a small, developing team. Customer focus, attention to detail, and strong initiative will be key personal attributes.

• Able to interpret detailed financial information including balance sheet and cash forecasting, assess funding requirements and model the impact of sensitivities to such forecasts.

• You will have excellent interpersonal and communication skills with the ability to build and maintain strong working relationships.

• Desire to help the bank and its customers achieve their goals and ambitions.

• Experience of working competently with Microsoft Excel, PowerPoint and Word.

• Experience of working with different business functions to specific deadlines, with strong organisational skills.

Working at Allica Bank

At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.

Our employees are at the heart of everything we do, so our benefits are designed with you in mind:

• Full onboarding support and continued development opportunities

• Options for flexible working

• Regular social activities

• Pension contributions

• Discretionary bonus scheme

• Private health cover

• Life assurance

• Family friendly policies including enhanced Maternity & Paternity leave

Don’t tick every box?

Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!

Flexible working

We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.

Diversity

We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.