What you will do:
The Credit Corporate & Commercial Credit Risk Manager provides independent oversight and assurance of credit decisions, assessments, and processes across Corporate and Commercial lending. They identify improvements and control gaps, working closely with First Line of Defence (1LOD) and Second Line of Defence (2LOD) colleagues to implement recommendations and ensure clear, robust processes are in place. This technical specialist role supports safe business growth by shaping and strengthening credit risk management and control frameworks. It requires strong analytical ability, broad credit risk expertise, and excellent influencing skills at all levels.
• Execute credit risk assurance and thematic credit risk reviews across all Corporate and Commercial lending, engaging with
all relevant business units and control functions to ensure coverage of key risks. Align assurance activity with the bank’s
assurance plan and emerging risks and regulatory changes
• Execute process testing across Corporate and Commercial lending, ensuring compliance with documented credit risk
processes
• Provide actionable insight on governance, credit risk exposure, and control effectiveness to inform strategic decision-making
• Collaborate with 1LOD and 2LOD teams to implement actions, ensuring process changes are addressed and providing
support to 1LOD in executing change
• Foster cross-functional collaboration. Build strong relationships with lending teams, underwriting teams, credit risk teams
and Internal Audit to ensure findings are understood
• Deliver clear, actionable reports tailored to diverse audiences (board, operational teams, external parties)
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:
• Extensive demonstrable experience in credit risk, underwriting or credit assurance
• You must have strong knowledge of credit risk management frameworks
• Exposure to a variety of business models, product types, customers, geographies, and distribution channels
• Skilled in preparing and presenting detailed documentation for executive stakeholders and regulatory reviews
• Strong ability to develop and apply an objective, risk-based approach to recommending effective, pragmatic solutions,
ensuring alignment with the bank’s risk appetite
• Excellent drafting skills with a proven history of producing clear and concise material for senior executive audiences
• Exceptional verbal communication, strategic thinking, and problem-solving capabilities
• 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!