Overview
Team Commercial & Private Banking
Location Guildford Office
County Surrey
Ref # 24550
Closing Date 26-Apr-2026
At Metro Bank, we believe the best banking experience starts with people who genuinely care. We’re not just delivering banking services - we’re building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long‑standing relationships. 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
* The focal part of your day‑to‑day role is to consider new business applications against your delegated lending authority. Where applications fall outside your authority, you will need to prepare and write credit applications for underwriting by the Credit Team.
* Enhance the BDDs and BDMs relationships with their brokers; gather additional information if you think it supports a case and liaise with them when we cannot support, ensuring that the broker understands why.
* Gather information from the customer or broker; assess, analyse and interpret financial information such as financial statements, management accounts and profit and loss statements.
* Have awareness of TCF (Treating Customers Fairly) at all times.
* Discuss individual cases with the credit team and put strong reasoning to support a case if merited.
* Prepare and submit annual reviews for consideration by the credit team.
What You Will Need
* Experience in a similar role in another organization with knowledge of commercial lending and SME markets.
* Credit, analytical, and numerical skills.
* Excellent time management skills; the ability to multi‑task under time constraints.
* Relationship management skills.
* Understand the risks associated with your job and what that means for you, Metro Bank and all stakeholders.
Our promise to you
* Competitive salary, discretionary annual bonus, generous holiday allowance, attractive pension scheme, healthcare, life assurance and a number of colleague discounts.
* Training to ensure success in your role and internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions).
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