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:
* Support the Head of Business & Credit Support (B&CS) and Asset Finance (AF) B&CS Credit Partner in identifying, categorising and managing AF customers showing signs of risk deterioration, taking ownership of customer engagement and management through an insolvency and formal recovery process when appropriate, focusing on achieving a full understanding and best outcome for the Bank and customer within an acceptable timescale.
* Early engagement with such customers, negotiating with them and their advisers alongside Credit Partners from B&CS, the Head of Recoveries and Asset Management for AF and the wider AF collections team, including insolvency professionals, lawyers, recovery agents and auction houses.
* Develop specific timebound strategic action plans to address lending quality concerns (assisting with individual provisioning calculations where appropriate), ensuring a prompt and appropriate understanding of the position and response/engagement with customers.
* Be mindful of and follow Treating Customers Fairly (TCF) principles at all times.
* Understand the recovery process from early arrears through to contract termination, recovery and disposal of assets, demanding on guarantors and engaging third party recovery agents, solicitors and insolvency practitioners where needed.
* Maintain accurate information and data records in the Customer Relationship Management (CRM) based Case Management System (CMS) and Commercial Risk Grading Application (CRGA) customer rating system.
* Appropriately engage with Insolvency / Property & Legal Professionals cost effectively on cases, always focusing on achieving the most appropriate strategy within an acceptable timescale (with these regularly discussed and reviewed in conjunction with the HO B&CS and Credit Partners).
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:
* Some experience of collections or recoveries in Asset Finance, Financial Services or the legal sector.
* Good experience of customer relationship management including undertaking difficult conversations/negotiations.
* Ideally an understanding and experience of AF documentation General Business &unregulated Corporate / Commercial Bank lending.
* Ideally some restructuring, insolvency and legal knowledge.
* Some wider Economic & Business awareness.
* Good understanding of and experience in conduct risk and TCF principles.
* 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!
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