Credit Manager

We have been named a Top 10 " Most Loved Workplace " for the second year running! At Metro Bank, people come first - our culture is all about bringing the best out in our colleagues, and making sure everyone feels valued, respected, seen and included. We strongly believe in a diverse and inclusive workplace and to find the very best person for the job, we always look across a wide range of diverse communities . We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.

What you will do:

• Underwrite Commercial Banking propositions from the Commercial Banking teams.
• Coach and deliver support to First Line of Defence colleagues the Metro Bank way.
• Work collegiately with senior management team members, particularly the Credit Partners and Lead Credit Partners.
• Ensure own workflows are managed efficiently to deliver timely decisions to customers.
• Ensure acceptable lending asset quality is maintained when originating new customer exposures, and ongoing via individual and wider existing customer portfolio management activities, reacting appropriately to early warning signs. Ensure compliance with Metro Bank's relevant lending policies, standards & processes.
• Maintain a positive, flexible, and pragmatic outlook in a pressured environment to help the bank achieve its growth objectives.
• Lend the Metro Bank way, focusing on the 'who' element and having a deep understanding of repayment sources - as well as building up your own sectoral and product knowledge.
• Operate with an individual personal Delegated Lending Authority Metro Bank. Present, analyse, and critique more complex lending propositions for review by higher authority holders.
• Selectively accompanying First Line of Defence colleagues in meetings with / visits to borrowing customers.
• Help to support various Credit Risk based projects.
• Fulfil the detailed role specific objectives as agreed and managed / reviewed via the AMAZEING review quarterly conversations processes.
• Supporting the Credit Partners, Lead Credit Partners, and Head of Corporate & Commercial Credit as required & any other duties as required that reasonably fall within the role.

And we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns.

What you will need:

• Commercial Credit Underwriting expertise.

• Managing own workflow and stakeholder managing across immediate stakeholders and the wider community across Metro Bank.

• Independent problem solving and negotiation skills.

• Relevant IT / systems skills

• Commercial lending and general banking and finance - including relevant legal concepts and issues.

• Commercial lending markets.

• Wider commercial and economic knowledge and awareness.

Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

Our promise to you

• We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts!

• We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!).

Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that 'normal' office hours aren't always doable, and while we can't accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren't sure if you are 100% there yet why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates Good luck!