Associate Director, Healthcare

Company Description Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders. We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers. The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person. Work with us because you: Want to be part of a bank built for the dynamics of the modern world Relish a challenge and enjoy a fast-paced, innovative and hardworking culture Enjoy finding new and better ways to solve complexity and make things happen Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups Care about society and the environment and want to be part of a business that cares too Want to continue to grow professionally and be the best version of yourself Job Description Shawbrook Healthcare (incorporating ThinCats Healthcare, part of Shawbrook Bank) provides flexible asset-backed and cashflow lending solutions of between £2m and £35m, supporting growth and acquisition across the UK healthcare sector. We have a clear sector strategy, real appetite to deploy capital and an experienced set of decision-makers. What turns that into a market position is execution — and that is where this role sits. As Associate Director, Transaction Management, you will take live healthcare opportunities from term sheet through diligence, credit, legals and completion, owning the process and the pace. You will also work alongside our Origination team on live pitches, helping shape structures and pricing at the point where deals are won. This is a role for someone who wants to be hands-on in transactions rather than one step removed from them, and who wants their fingerprints on a franchise that is being built now rather than one that is already finished. You will benefit from: A clear sector strategy and genuine appetite to lend A highly collaborative team culture, with strong support across Origination, Credit, Portfolio and Operations The ability to move at pace with conviction, backed by experienced decision-makers Visible impact — your deals, your relationships, your reputation in a growing franchise Structured development, with a clear path towards Director-level roles for those who deliver Our healthcare coverage spans elderly, specialist and children's residential care; home care; special educational needs; pharmacy; dental; veterinary; GP practices; day nurseries; private medical (including private hospitals, diagnostics, IVF, therapies, surgical and rehabilitation, aesthetics and MedTech); and ophthalmology. Typical borrowers generate £1m–£15m+ EBITDA. Key responsibilities Own transaction execution (primary focus) Combine working alongside Directors and leading the end-to-end execution of healthcare transactions from agreed structure through to drawdown, taking a 'Right First Time' approach to process, systems and data Drive momentum across all internal and external stakeholders, holding the timetable and keeping deals decision-ready Complete business, sector, market, credit and financial due diligence, including financial, revenue and margin analysis, financial modelling and sensitivity analysis Prepare, present and own credit papers through Deal Forum and Investment Committee, with clear, balanced recommendations and high governance standards Draft and issue indicative and final term sheets in partnership with Credit and Legal Shape facilities, pricing, covenants and protections that work commercially for the client and remain robust through downside scenarios Lead legal engagement and documentation, and co-ordinate security, KYC and loan completion Manage drawdown dates and deliver effective handovers to Portfolio and Borrower Services Support origination on live opportunities Support Directors and Senior Directors at client and advisor meetings, including preparation of pitch materials, indicative structures and pricing Provide pricing portal and credit grading input to inform front-end decisions Develop tailored debt structures that demonstrate a sound understanding of the borrower's business and sector Build and maintain your own relationships across the healthcare professional community — advisors, operators and investors — and build a presence in your local market Qualifications Skills and experience Experience gained in a relevant market or environment — for example corporate banking, leveraged finance, structured finance, private credit or debt advisory Demonstrable experience of end-to-end transaction and/or project management, ideally including transactions taken to completion Sharp credit judgement: confident interrogating financial statements, cash generation, resilience and downside risk, and comfortable with both asset-backed and pure cashflow lending Strong analytical and financial modelling skills, with excellent attention to detail Commercial edge: a developing instinct for pricing, structure and terms, and an understanding of how to protect returns High-pace execution: comfortable running multiple complex workstreams and making decisions with imperfect information Influence and communication: excellent written and verbal skills, with the ability to land complex ideas simply for Credit, senior stakeholders, clients and advisors Strong organisational skills and the ability to prioritise competing demands effectively Experience of building and managing multiple stakeholder relationships Healthcare sector experience, and an understanding of relevant business models and regulatory frameworks, is an advantage — a real appetite to build that expertise is essential Key attributes A genuine desire to be hands-on in the execution of transactions Passion for supporting high-growth healthcare businesses and the entrepreneurs behind them Self-starter with a can-do attitude and a bias towards resolving issues rather than escalating them Ownership of outcomes — committed to getting things right and driving quality High integrity, and comfortable being honest and transparent with clients and colleagues Adaptable, and supportive of continual improvement in a fast-moving environment Potential and ambition to develop into future senior roles within the franchise Additional Information Your Wellbeing • We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include: Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment Free access to Headspace, a mindfulness & meditation digital health app Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause EAP (Employee Assistance Programme) • Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health Cycle to work scheme Discounts on gym membership Contributory pension scheme & death in service Your Lifestyle • It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time. Minimum of 27 days holiday per year Option to buy or sell holiday days through our flexi-holiday scheme Discounts on gym membership nationwide Access to discounts on a range of high street and online brands Community support and charitable giving Your Contribution • We’re focused on rewarding those that go the extra mile in helping us achieve our goals. Participation in our annual discretionary bonus scheme designed to reward your contribution to our success Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done Banding This role is a SB4 within the internal Shawbrook banding structure Department: Structured Lending