Management Accountant

• to £55,000 plus excellent benefits
• Westminster, London

A professional membership organisation, who are a registered charity with a commercial trading arm are seeking a Management Accountant - Commercial

You will maintain timely, accurate records of financial transactions/forecasts to assist management in the decision making process. Provide business partnering support with budget holders to improve the company's operations and profitability.

Duties and Responsibilities:

• The preparation of accurate financial statements, monthly management accounts and forecasts to assist managers with timely decision making
• Supporting managers and key employees with accurate and timely ad hoc financial information to ensure the smooth running and progression of every department
• Identify and drive improvements to financial processes
• Liaison with various divisions for reporting requirement and simplifying processes to improve control
• Managing the annual budget and forecast process, to collate information from budget holders to present detailed company reports
• First Point of contact with Audit Team to ensure information is provided as quickly as possible leading to a smooth audit sign-off
• Assisting in the preparation of the Yearly statutory accounts and Audit pack for final review by the Finance Director & Controller
• Preparing board pack and presentation for the FD to present at board meetings
• Providing new product development & Capex reports as required by divisional heads
• Providing quarterly vat summaries
• Providing training/mentoring to the assistance accountants
• Ensuring the balance sheet is fully reconciled and all excel working files are presented clearly

Essential criteria for this role:

• Sound knowledge and understanding of management accounting, accounting principles and reconciliation skills is essential
• Advanced user of Excel
• Experience of extracting, formatting and manipulation of high volumes of financial data
• Well organised with excellent time management with the ability to prioritise, working smart, to meet strict deadlines
• Must be able to work accurately and effectively to time pressures
• Must be flexible during the month-end & year-end process in order to meet tight reporting deadlines
• Excellent attention to detail and communications skills
• Experience in a similar role in a commercial environment

Desirable

• CCAB qualified or final stage is desirable for this role (or evq)
• Experience working with Access Dimensions Accounting system is desirable

This organisation offers a wide range of benefits including working in a amazing building and a wide range of other benefits. Send your CV ASAP to be considered.

Would you like £500 in high street vouchers?

Well, if you know any tax, legal, finance, HR or marketing candidates looking to move jobs please refer them to us and if we successfully find them a new job in the next 12 months we will send you £500 in high street vouchers of your choice.

As well as this we are looking to grow the Pro-Recruitment Group family and would be interested in any amazing Recruitment Consultants you think might like to work for us. £500 on offer for any referrals we successfully hire.

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Non-departmental Government Body - Central London - Reporting Accountant

A non-departmental government body are looking for a Reporting Accountant to join their Central Finance team. This is an exciting opportunity for an experienced financial accountant to support the key financial initiatives of the organisation, focusing on the year end statutory accounts, taxation and external reporting.

As the Reporting Accountant you will:

• Be a qualified (ACCA/ACA/CIMA) or Finalist level accountant
• Have in depth knowledge on the preparation of statutory accounts
• Working knowledge of VAT, employment and corporate tax
• Intermediate level excel skills
• Have experience of assessing processes and implementing improvements

This is a great opportunity to work with a high performing team, work closely with the Head of Finance on driving efficiencies and improving processes.

If this is of interest please apply now. Or, if job is not quite right, but you are looking for a new job within the charities and not for profit sector then please do email me an up to date copy of your CV to [email protected]

Non-departmental Government Body - Central London - Reporting Accountant

Project Accountant (Part-Qualified) 1-year FTC Project Accountant Job paying £40000.

Your new company
Your new company are striving to transform the way the world resolves violent conflict, so people work together to build peaceful and inclusive societies. It is an international organisation committed to stopping violent conflict and creating more peaceful societies.

Your new role
He/she works alongside the Finance Business Partner to support the delivery of timely finance donor reports, provide structured finance technical support and assist with generating monthly management reports.
* To provide business partnering and support to teams, including providing technical finance assistance and taking part monthly meetings.
* Assist in the investigation of Budget versus Actual variances as highlighted by budget holders or teams.
* Create project and donor codes on the accounting system for new projects/donors
* Working with the Finance Business Partner, deliver accurate and timely comparative management reports to the teams
* Support the Financial Accountant and Finance Business Partner in attending promptly to all queries during project and statutory audits.

What you'll need to succeed
* Part Qualified Accountant and/or substantive working experience in NGO finance
* Experience of working as part of a busy accounting function.
* Good communication skills
* Determined and assertive and proactive; prepared to get into the detail to understand the problem and help find solutions
* Experience of Finance Business Partnering
* Experience of working in a grant funded environment
* Extensive experience of project accounting and donor reporting
* Proficiency in the use of Excel and major accounting packages

What you'll get in return
In return, you will be receiving a great competitive salary of £40K. You will have an opportunity to work in a small team within a successful not-for-profit organisation, upholding a good work-life balance. Plus a 9% contributory pension scheme.

What you need to do now
If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call us now.
If this job isn't quite right for you but you are looking for a new position, please contact us for a confidential discussion on your career.

Hays Specialist Recruitment Limited acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at hays.co.uk

Would you be interested in working for an international development organisation in a varied and exciting finance role? Robertson Bell are looking for a Project Accountant on behalf of one of the most interesting INGO's based in London. This is an exciting opportunity to join this organisation in a position that will immediately have responsibility for adding value.

Working closely with the International Finance Manager in an integral role within the projects team, you will ensure effective donor reporting processes are in place for their overseas offices. Key responsibilities include:

• Conducting monthly meetings with project managers to ensure project cash flow and deferred income is managed.
• Oversee income and expenditure ensuring compliance inline with restrictions is maintained always.
• Supporting the development of the financial aspects for each proposed project.
• Developing a budget for each project, track financial performance against the budget and identify any risks and issues.
• Submitting complex reports to donors and ensuring project donor audits are conducted.
• Providing financial advice and support to overseas offices.
• Provide support throughout the statutory accounting process.

This position would either suit someone with relevant international NGO and major donor (EU/DFID/BMGF/USAID) experience or candidates with experience in auditing charitable organisations. This organisation has a brilliant reputation for treating employees well and has maintained high staff retention rates over recent years.

The successful candidate will:

• Be fully a qualified Accountant (CIMA, ACCA or ACA) or at the later stages of their qualification.
• Have solid excel experience in order to work on multiple spreadsheets.
• Be a confident communicator with strong interpersonal skills.
• Aspire to develop your career within finance.
• Have an interest in international development.

Applications will be reviewed on a daily basis however the client is looking for candidates ASAP so please don't hesitate in applying!

An exciting opportunity for a progressive and ambitious Assistant Accountant looking to work in a busy and rapidly growing team in one of London's Top Universities.

Client Details

Based in Central London this Organisation provides Higher Education Courses to thousands of Students from around the world.

Description

The Assistant Accountant will be responsible for the following duties

• Provide information to Key Stakeholders to help them manage budgets.
• Manage both Purchase Ledger and Sales Ledger Functions.
• Produce various reports and analyses based on income and expenditure.
• Process corporate Credit Cards and ensure they are correctly allocated.

Profile

The successful Assistant Accountant will be actively studying ACCA or CIMA and keen to progress. You will have experience of transactional duties and reporting or analysing data. Experience with in the Education Sector is not essential.

Job Offer

A salary of between £30,000 and £35,000 plus benefits including study support and a generous holiday allowance.

Would you be interested in working for an international development organisation in a varied and exciting finance role? Robertson Bell are looking for a Project Accountant on behalf of a brilliant INGO based in London. This is an exciting opportunity to join this organisation in a position that will immediately have responsibility for adding value.

Working closely with the Head of Finance in an integral role within the finance team, you will ensure effective donor reporting processes are in place for their overseas offices. Key responsibilities include:

• Conducting monthly meetings with project managers to ensure project cash flow and deferred income is managed.
• Oversee income and expenditure ensuring compliance in line with restrictions is maintained always.
• Supporting the development of the financial aspects for each proposed project.
• Developing a budget for each project, track financial performance against the budget and identify any risks and issues.
• Managing and processing public donations and overseeing Gift Aid returns.
• Submitting complex reports to donors and ensuring project donor audits are conducted.
• Providing financial advice and support to overseas offices.
• Provide support throughout the statutory accounting process.

This position would either suit someone with relevant international NGO and major donor (EU/DFID/BMGF/USAID) experience or candidates with experience in auditing charitable organisations. This is a brilliant London based opportunity for progression and will best suit someone who is ambitious, hardworking and passionate about the charitable sector.

The successful candidate will:

• Be fully a qualified Accountant (CIMA, ACCA or ACA) or at the later stages of their qualification.
• Have strong aspirations to develop their career within finance.
• Have an interest in international development.
• Have solid excel experience in order to work on multiple spreadsheets.
• Be a confident communicator with strong interpersonal skills.

Applications will be reviewed on a daily basis however the client is looking for candidates ASAP so please don't hesitate in applying!

Looking for an exciting project-focused role in a role with international travel? Want to work for an organisation whose work impacts the lives of thousands across the globe? Would you like to be part of an ambitious organisation that offers fantastic employee culture?

If yes, then look no further!

My client is a London based international charity who is looking for a Project Accountant to join their team on a permanent basis. With excellent flexibility, a competitive salary and numerous opportunities to develop professionally, this is a fantastic role for someone who is looking to challenge themselves and learning and grow within a forward-thinking, vibrant environment.

The main responsibilities of this Project Accountant role are as follows:

• Play a pivotal role in the preparation of budgets for all new international projects, liaising with the regional project teams to ensure that all costs have been included and ensuring compliance with donor requirements.
• Provide invaluable support in the preparation of quarterly donor reports, analysing the data to provide insight on financial performance as required.
• Full responsibility for overseeing the management accounts process, ensuring that all deadlines are met and the reports are produced accurately.
• Undertake occasional international travel to various locations to develop and manage relationships with stakeholders on project-specific matters.
• Sole charge for monitoring the restricted funds accounts, ensuring that all funds have been correctly allocated and highlighting errors as necessary.

This is the perfect opportunity for someone with a passion for international development, who is looking to further their finance career and is excited at the prospect of learning from an experienced line manager, who will invest in a proactive and determined individual.

The successful candidate will have:

• Experience of working on the monthly management accounts.
• Started studying towards a relevant accountancy qualification.
• Strong knowledge and understanding of restricted and unrestricted funds.
• Ideally, previous experience working in the charity sector. However, candidates without this are still strongly encouraged to apply.
• Fantastic Excel skills (vlookups and pivot tables).
• The determination and ambition to build a fantastic finance career and enthusiasm to learn on the job.

If you are interested in this role, please do not delay in applying as CVs are being reviewed daily and the line manager is looking to interview ASAP.

Pay: £45,000 - 60,000 pro rata upwards, depending on experience
FT/PT: 3-4 days per week
Contract: Permanent, with three months’ probation
Reporting to: Chief Operating Officer
Based at: Chelsea Methodist Church, London SW3
Closing date: 8 June 2020 9am

Glass Door Homeless Charity is London’s largest open-access winter night shelter. This award-winning, independent charity provides shelter and support for those with nowhere else to turn. 

We are recruiting an experienced and compassionate Senior Finance and Resources Manager to join our growing team. In recent years, Glass Door has expanded its services in order to support a growing number of people sleeping on the streets of London. This is an exciting time to join the charity, as we take the important next steps in expanding our resources function. 

You will be a confident and friendly self-starter, who takes initiative to get things done. No two days will be the same: we are a dynamic office with all-hands-on-deck approach when required.

Working for Glass Door

We’re a collaborative team of 28 permanent and approximately 35 seasonal staff, who love making a positive impact. If you believe in our ethos and want to make a difference, get in touch. 

Glass Door provides its employees a full induction as well as learning and development opportunities and access to our employee wellbeing programme. We offer interest-free season ticket loans and a cycle-to-work scheme. 

We operate an equal opportunities policy and welcome applicants from all sections of the community. Although Glass Door services normally take place within churches or church-owned properties, please note individuals with connections to a variety of faiths or none work for, volunteer at, and use the services of Glass Door. 

Our headquarters are located in the heart of Chelsea, close to both Sloane Square and South Kensington tube stations.

To apply

Download the candidate pack from our website and apply by 9am on Monday 8 June 2020. Initial interviews will be held in June via video call. 

Start Date

The start date will be July, depending on notice period and/or Covid-19 restrictions/ practicalities.

Job Description
The post holder will be responsible for the following:

Finance

• Maintain appropriate and comprehensive finance and accounting policies and procedures including payment authorisations, cash management etc.

• Provide clear and accurate financial information, budgets and forecasts to the trustees, COO, fundraising team and other departments as required.

• Manage strategic relationship with key partner organisations such as book keepers/auditors/payroll providers/bank etc. • Overall responsibility, with support from the external bookkeeper and internal staff, for:

• Ensuring accurate recording and maintenance of finance data, including accurate classification of income.
• Ensuring balance sheet and bank is reconciled and reviewed monthly.
• Preparing and developing monthly Management Accounts. • Oversee preparation of the annual financial statements and manage the external audit. • Oversee payroll and pension process, engaging with external payroll support, including administering monthly payroll and authorising weekly payroll.

Legal and compliance

• Overall responsibility for compliance with all legislation / codes.

• Ensure Companies House, Charity Commission, HMRC and Pensions Regulator requirements are met in a timely fashion.

Risk management

• Overall responsibility for risk management, including timely and accurate completion of risk assessments, maintaining and developing the organisation's risk register, and procuring and maintaining appropriate insurance cover.

• Overall responsibility for health and safety, with support from the HR Manager and other staff.

IT

• Overall responsibility for information technology across the organisation, which is implemented day-to-day by the IT support providers and Office Manager.

People Management

• Support and line manage a team of five.

• Conduct regular supervision meetings and performance appraisals.
 

Senior Management Team

• Operate as part of the Glass Door senior management team, with a particular remit to ensure that we are fulfilling our financial and compliance objectives.

• Support the COO and colleagues in setting the strategic direction for Glass Door.

• Represent the COO on internal or external matters, if appropriate.

Person Specification

Essential

Personal Qualities

Empathetic attitude towards homeless and vulnerably-housed people. 

A confident self-starter who will hit the ground running. 

Ability to operate at a range of levels; with both gravitas and relate-ability 

A team worker with an open, collaborative style and a practical, “can-do” approach. 

Commitment to our values of being welcoming; being open to all, without prejudice; compassionate; believing individuals can turn their lives around; and knowing we can have a bigger impact when we work together. 

Commitment to and understanding of the issues relating to equality of opportunity and the ability to implement change in this area. 

Ability to adhere to and implement Health & Safety, HR and operational policies.

Qualifications and Experience
ACA, ACCA, CIMA or CIPFA qualification. 

Minimum two years’ in-house employment experience post-qualification. 

Experience of leading and inspiring a team. 

Experience of budgeting and financial planning, including modelling / scenario planning. 

Experience with month end reporting.

Knowledge, Skills, Abilities
Excellent working knowledge of accounting software systems e.g. Xero / Sage. 

Fully conversant with best practice in accounting procedures. 

Excellent organisational skills with strong attention to detail, especially record-keeping and electronic filing. 

Strong written English and numeracy skills. 

Excellent skills in Microsoft Office software (Word, Excel, PowerPoint, Adobe Acrobat Pro, and databases). 

Good interpersonal and verbal communication skills. 

Ability to forward plan and schedule workflows. 

Ability to relate to and work with people from a range of backgrounds.

Desirable
ACA or ACCA qualification.  

Experience of working with homeless people or similar disadvantaged client groups and an understanding of their needs.

Experience of working in the not for profit sector. 

Experience of charity accounting/ the SORP. 

Experience of risk management. 

An understanding of GDPR and health and safety legislation.

Are you a qualified accountant looking for your next move into a progressive organisation in the charity sector? Does working in a changing environment excite you and inspire you to drive improvement? If this sounds like you, please read on!

Robertson Bell Finance are working with a well-known international development charity to recruit an Interim Management Accountant - Systems for a minimum period of 5 months. Based in Central London, the organisation are going through a period of transformation and will have a lot of change in the wider team.

The main responsibilities of the Interim Management Accountant - Systems are as follows:

• Produce accurate and timely monthly management accounts for a number of subsidiaries in the organisation.
• Carry out detailed analysis of variances between the actuals and the forecasted numbers - addressing these with stakeholders.
• Ensure the completion of a range of complex reconciliations and assist with any year end requirements in the wider team.
• Work with senior stakeholders across the organisation to produce annual budgets and forecasts.
• Be the go-to person in the team for all system related queries, acting as the super-user for the ERP.

The successful candidate will be a fully qualified accountant who has led on the production of monthly management accounts in a previous role - assisting with this will not be enough. In addition to this, it is highly preferable to have worked in the charity sector so that you are able to hit the ground running. Finally, you will be well experienced with producing budgets and forecasts and communicating these with senior budget holders.

You will need to be immediately available or have a short notice period to be considered. Applications will be reviewed daily, so please do not delay in applying.

This International Conservation charity are looking for an international accountant to join their finance team. This is a broad and exciting someone, ideal with someone with the experience below who wants to business partner internationally.

Requirements:

• Experience of working with overseas finance teams is essential
• Substantial experience of financial management & financial reporting in relation to grant funded work
• Experience in planning, budgeting and forecasting
• Experience of working in a business partner capacity with key stakeholders
• Experience in building relationships across departments, at multiple levels and in an international/multi-cultural organisation
• Communication skills, particularly written and with non-finance people

Responsibilities:

• Working with the International Finance Business Partner Manager to project manage the year-end processes for country programmes and regions, ensuring country offices and other overseas operations meet the global annual financial reporting and external audit deadlines.
• Co-ordinate with Conservation Programmes to make arrangements to monitor the ongoing compliance of the country programmes, and partners where necessary
• Work with the Conservation Programmes Operations team, overseas operations and country entities to develop budgets that align with wider strategy
• Support the International Finance team in developing and implementing finance procedures that support global strategy.
• Provide expert grant financial management support to externally funded Conservation Programmes.
• Providing effective assurance to senior management that financial management is operated effectively across all Conservation Programmes.
• Support the International Finance team to provide regular reporting and updates to the Conservation & Policy management teams, ensuring financial oversight across all international operations. 

Benefits:

• Salary of up to £47,500 per annum
• Outstanding pension scheme (minimum 7% employer contribution)
• The chance to contribute to global conservation efforts

Interviews are being held on a rolling basis, so please apply now to be considered.

The Purpose of the Role

The Senior Budget Advisor supports all aspects of cost proposal activities including coordinating with the proposal manager and proposal teams which include technical, finance, and country office staff to prepare budgets and cost proposal narratives, develop commercial documentation, and coordinate with partners including budget negotiations, and other budget/cost tasks as required. The ideal candidate has experience working in international development with USAID, DFID, and other multilateral/bilateral donors.

RESPONSIBILITIES

• Responsible for all aspects of the cost and business proposal.
• Coordinate inputs into cost volumes for submission and best value. Collect and verify cost estimates, and work with technical teams to ensure cost proposals and technical proposals are aligned.
• Coordinate with the proposal team on strategic issues involving proposal budgets. Ensure that the proposal team is educated on donor requirements for the cost proposals.
• Ensure proposals comply with IRC’ organizational policies.
• Review, edit and finalize explanatory budget narrative to accompany budget in cost proposal.
• Create and/or modify budget spreadsheet templates in accordance with donor requirements.
• Conduct internal budget reviews during proposal period; analyze cost recovery.
• Lead engagement with partners on their budgets. Negotiate budgets with primes.
• Advises on IRC’s standard budget templates.
• Ensure compliance with RFP/RFA/tender requirements.

A well-known international development organisation is currently seeking a Head of Financial Analysis to join their global hub in London. This is a key position within the central finance team. In close liaison with a variety of stakeholders across all areas of corporate services, you will be developing key processes and templates to inform on strategic and commercial decisions. 

• Developing complex multi-year forecasts & templates
• Develop a robust in-year forecasting process to subsequently roll-out across global platforms
• Provide key analysis on forecast submissions for SMT and Board level members
• Support & advise SMT members on annual budget submissions
  Direct line management of 1 newly qualified Financial Analyst

This is an exciting opportunity for an experienced Financial Analyst / Commercial Finance professional to join a fantastic organisation going through a period of significant change and transformation. 

You will be CCAB qualified or equivalent with at least 3 years post-qualification experience. Knowledge of or experience in the international development sector is highly desirable. 

ROLE: Senior Finance Manager (multiple vacancies)

SALARY: Band 8a £50,575 - £56,490 *

LOCATION: South London

SECTOR: Public Sector, Healthcare

HOURS: 37.5 hours per week

TYPE: Full-time, Permanent

*inclusive of HCAS

Croydon Health Services provides integrated NHS services to care for people at home, in schools, and health clinics across the borough as well as at Croydon University Hospital and Purley War Memorial Hospital.

The Trust’s experienced staff take care of people of all ages across the borough of Croydon. They are a very close-knit and friendly organisation where every one of the 3600 members of staff is valued. CUH provides more than 100 specialist services and is home to the borough’s only Emergency Department and 24/7 maternity services, including a labour ward, midwifery-led birth centre and the Crocus home birthing team. Purley War Memorial Hospital (PWMH) in the south of the borough offers outpatient care, including diagnostic services, physiotherapy and ophthalmology services run by Moorfields Eye Hospital, alongside an onsite GP surgery.

The financial management division is currently recruiting three Senior Finance Managers to join their team and manage specialist divisions such as Corporate Services, Women and Children, Surgery, IT and Facilities.

Senior Finance Manager Job Overview:

• To act as the principal financial advisor integrated into the management team of the Corporate / Clinical Directorates to which the post-holder is aligned, including making a significant contribution to the business planning and financial monitoring processes.
• To produce a monthly financial position that has integrity, accuracy, analysis and contains all financial information relevant to the directorate, supporting both the Directorate and the Trust in achieving its financial objectives.
• To produce monthly variance analysis for the Directorates so that this can be used to take corrective action where appropriate. Enable them to understand the whole financial picture, including SLR, activity and income information.
• Business Case Production, where required to provide financial input into the preparation of Directorate or Trust wide business cases, working with both financial and operational managers.

Senior Finance Manager Person Specification:

This person will hold a professional qualification in accountancy (CCAB) and will be able to provide evidence of continuously developing by having relevant post-qualification experience or significant management accounting experience in a large, complex organisation (NHS experience is beneficial but not essential). Business partnering is a key element of the role so this person must demonstrate strong communication/people skills, the ability to present analysis and influence budget holders.

Croydon Health Services NHS Trust’s values are to always be professional, compassionate, respectful and safe. It is important that the Senior Finance Manager’s values are in line with these expectations and that they are able to communicate well and work with people at all levels of the organisation.

Senior Finance Manager Salary and Benefits:

• Band 8a £50,575 - £56,490 * (*inclusive of HCAS)

• 27 days annual leave + 8 bank holidays (holiday entitlement raises to 33 days with service)
• Flexible working arrangements
• Excellent training, learning and development opportunities
• Generous pension scheme (including 20.68% employer contribution and a tiered system of employee contribution depending on your salary from 5% to 14.5%)
• Subsidised on-site nursey and childcare vouchers
• A comprehensive staff health and well-being programme including an on-site gym
• Health services discounts (retail, holidays, entertainment and restaurants)
• Season ticket loan

If you would like to find out more information about the opportunities, the Trust and to receive the full job description please contact Brooke Cooper at Allen Lane.

Are you looking to lead the decision support and FP&A for a large and commercially aware international charity?

Do you want to enhance the development of global reporting for the organisation, working closely with regional teams to achieve this?

Would leading a team to deliver a robust analytical service from finance interest you?

This is a brilliant Head of Financial Planning and Analysis opportunity to work with a globally renowned international organisation and deliver a strong financial service to the Shared Services of the organisation within the FP&A function.

Key responsibilities

• Working with Senior Department Directors across the organisation's Shared Service function including Finance, HR and Information Services to deliver strong decision support
• Work as a primary business partner to understand the needs of Directors whilst providing support to a small team
• Understand the various change programmes that the organisation delivers and provide detailed analysis on business support
• Provide various reporting such as budgeting, forecasting and planning to help develop business cases across the organisation.

This organisation boasts an incredible benefits package including:

• Extremely generous pension scheme of up to 27% employer contribution
• Over 30 days holiday allowance plus bank holidays
• Flexible working opportunities
• Enhanced maternity and paternity leave
• Healthcare - gym, private healthcare

The successful candidate:

• A fully qualified accountant (ACA, ACCA, CIMA, CIPFA)
• Strong and relevant experience leading an FP&A function
• Experience in working in a large and complex organisation
• Ideally have experience of working with corporate services however this is not essential
• Experience in providing strong business cases

Applications will be considered throughout the recruitment process and the client reserves the right to close the role before the closing date, so please apply now to avoid disappointment.