Early Talent

Financing Solutions Graduate programmes

Salary £56,000 (per annum)

Starts September 2025

Duration 2 years

Qualifications required Already obtained or are on course to achieve a 2:1 degree

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Our goal in Financing Solutions

Our goal is to provide debt financing, risk solutions and first-class advisory services for UK and European corporate and private equity clients. We cover a broad range of specialisms, including acquisition financing, specialist asset-backed financing, leveraged buyouts, infrastructure financing and project finance for greenfield renewable energy projects.

Our advisory services work closely in collaboration with all teams across the business area to offer their expertise on credit ratings and sustainable finance.

As a part of our Commercial and Institutional customer-led franchise, this part of our bank focuses on bringing digital innovation to a diverse range of customers, making it a truly exciting and diverse place to build experience and skills.

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Your career in Commercial & Institutional

Our Commercial & Institutional (C&I) franchise combines Commercial Banking, NatWest Markets, and RBS International and serves over one million customers, ranging from start-ups through to large corporate and financial institutions.

Our Financing Solutions, Commercial Banking, NatWest Markets and RBS International Graduate programmes sit within C&I and will give you the opportunity to generate efficiency, productivity, and future growth opportunities.

The wide scope of business areas that make up C&I will allow you to build connections and increase your knowledge so you can help us to evolve and continually improve the service we offer to our customers.

Discover Commercial & Institutional

Shatta Bhowmick: I’m a graduate, currently in my second rotation in the Social Community Capital team. And fun fact, they’re an independent charity that has been funded and supported by NatWest. And what we do is we offer alternative funding to business, charities, and social enterprises that don’t qualify for mainstream loans. And it’s just so amazing to be part of a team that is dedicated to making tangible differences in communities.

Tom White: I work in Securitised Products in C&I. The type of work, it involves is a lot of credit, a lot of understanding businesses, understanding ourselves, and the solutions that we can offer and how these, how these solutions can work for a customer, how it can help them realise their ambitions.

Carla Floyd: It’s a fast-paced and dynamic environment, which is fantastic because I’m never bored. The external environment around us is always changing, so we need to stay on the front foot, anticipate change and what the key themes that may be that affect our customers and products and services, and then make sure we position the business around that.

Clara Slee: My role involves communicating information between regulators and stakeholders through writing reports, opinions, and analysing data. Working for C&I feels collaborative and exciting. It’s small enough that you feel like you’re part of a community and you really feel welcomed, but it’s large enough that you have a variety of people in work, and you really feel the change and experimentation.

Mike Rankine: We are a business that serves customers from your, your local plumber or shop owner right up to, multinational companies, household names, household brands, etc. And actually how they can be very different but, in some ways, how they can be kind of be quite similar. So that’s a challenge I think to, to get your head around just just the scale of this business and the impact that it has.

What do you enjoy most about working here?

Tom White: What I enjoy most about working in C&I is its relevance to life around us. The transactions we do mean that we have to learn about companies that we see outside every day.

Andy Hunt: But for me, it’s the people. I work with some brilliant individuals and teams across trading, structuring, legal and credit to name a few. But on a personal level, I think the business has made huge strides over the past few years to focus on the ‘me’, including on mental and physical well-being and life outside of work, including the major development around shared parental leave. For me, this is a huge differentiator to our peers and makes it a great place to work.

Carmen Cheng: So whilst I really enjoy the flexible working, which helps me juggle my family responsibilities, I actually really enjoy coming into office to see people, to talk to people, even just a coffee chat sometime just really energises you and giving you new ideas.

What surprised you since you started working here?

Anna Henderson: One of the most surprising things that I’ve experienced since I’ve been here is the actual living up to the promise when NatWest says it invests in its people so people can thrive.

Shatta Bhowmick: I’ve been pleasantly surprised by seeing the amount of support and the resources that are there for someone that is in a graduate scheme. The commitment to nurturing new talent, but also same time providing real, impactful projects has really exceeded my expectations.

Tom White: What surprised me most about working in C&I and NatWest is the importance of everything we do and how relevant it is to the UK economy.

Carmen Cheng: So what strikes me when I started working for the bank was the diversity of the people. And I’m not just talking about the ethnicity or the gender. But it’s also, for example, the education and the training background as well. You could easily be working with someone who’s been a lawyer for the past ten years, or someone who has a PhD in climate science, but also, it could be someone who has been working at a desk at a branch, who started there, but they’re working their way up as well. So it is very important because it creates a great environment for diversity of thought.

How would you describe the culture?

Anna Henderson: I think the culture here is very interesting. I’ve worked in a whole variety of organisations. And I don’t think I’ve ever worked anywhere with a culture quite like that is at NatWest here.

Shatta Bhowmick: The way I would describe the culture at NatWest is as inclusive, forward-thinking and collaborative. It’s a place where diverse ideas are welcome and teamwork is always encouraged.

Mike Rankine: Also the great, great culture of learning, and the organization as well. So there are opportunities to learn so much, which is, which is great. And people given the time to be able to go to go ahead and do that and pursue things that they’re passionate about and things that will be important to the organisation in the future as well.

Anna Henderson: I think that the people here are really committed and really believe in the organisation in the way that you don’t often see with other organisations. I think there’s a real commitment to supporting the customer and a real belief that if we keep working hard, we can continue to make a real difference for people, and the wider world that we live in.

Carla Floyd: What’s fantastic is that we’re a team with a common set of goals around serving our customers, and that sense of unity is absolutely critical to our success.

What’s great about the programme?

Every area of our business is different – they each need their own skillsets, their own challenges, their own nuances. What better way to find out what working in a business area is like, than from the people who already work there?

Clover, Zoe and Aaron’s experience

See what Clover, Zoe and Aaron think about their experience in Financing Solutions.

Speaker 1: Clover Yao

Speaker 2: Zoe Lau

Speaker 3: Aaron Farr

Tell us about Financing Solutions

Clover: So we work with large corporates and financial institutions in our daily job for the bank, we help manage risk before executing a specific transaction.

How has being part of Financing Solutions team stretched you professionally?

Zoe: Being a part of this business and this graduate program has really helped to stretch me professionally, every single day I learn something new and I’ve learned a large array of skills within my last two years here it’s also helped me to build my confidence in speaking to clients as well as speaking to any other stakeholders within the bank.

What do you find most exciting about Financing Solutions?

Aaron: What I find most exciting about the graduate program is the opportunity to rotate across four different desks over the two years. It gives you chances to meet new people work on completely different projects and develop new skill sets understand maybe what you do and what you don’t like.

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Is the programme for you?

Does the idea of gaining experience across a wide range of customers and business areas to find which areas suit you best excite you? Are you the sort of person who likes to be challenged while contributing to important work? Our Financing Solutions Graduate programme could be for you.

This is an opportunity to contribute to credit papers, financial models and pitches, and work on some of the most high-profile debt transactions across Europe.

Who can support you?

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Your buddy

Your go-to person for support and guidance during your first six months. They’ll be readily available to answer questions, provide advice and help you connect with peers.

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Your graduate manager

They’ll be with you across your graduate journey, providing guidance, feedback and support to help you achieve your goals and develop your skills.

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Your placement manager

They’ll work alongside you to set your goals, offer feedback and support your growth.

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The other graduates

Your graduate colleagues are on the journey with you and there will be plenty of opportunities to connect and support each other.

What can the programme teach you?

Our two-year programme will give you the debt product experience across loans, bonds, private placements, acquisition financing and derivatives to forge a successful career. We’ll help you build the skills to nurture relationships with customers, from medium-sized corporations to blue chip companies to help understand their needs and the products we offer.

What can you gain from the programme?

  • Robust financial modelling, credit analysis and risk management skills, and an insight into product development
  • An understanding of how environmental, social and corporate governance impacts the products and services we offer
  • Experience working across different business areas including our market-leading bond and derivative syndicate and execution franchise

Where can the programme take you?

To get an idea of where this programme could lead, previous graduates have gone on to roles such as:

  • Infrastructure projects finance
  • Leveraged finance
  • Finance and risk solutions

Graduate programmes in Financing Solutions

Application process

  1. CV with graduation cap on top of it; a pen leans on the CV

    Submit your application

    Find a role that’s right for you

  2. Desk with computer, books, table lamp, and a plant on it

    Work scenarios

    A work scenarios assessment

  3. Checklist with pen

    Reasoning skills

    A problem solving, numerical and reasoning skills assessment

  4. Film projector

    Video interview

    Record your response to questions about experience and potential

  5. Smartphone with a heart symbol in a speech bubble above a user profile silhouette

    Assessment centre

    A full day of virtual activities

  6. Smiling daisy flower

    Receiving an offer

    Feedback on the outcome of your application

Ready to apply? Start your journey here

Explore our step by step application guide for top tips and advice to support your success.

Meet our people

We all bring our own uniqueness to work, and why shouldn’t we. We’re encouraged to do so. Meet our colleagues and find out a little more about the people you could be working with.