What you will do:
• Collaborate as part of a team of Credit Underwriters whose responsibility is to underwrite Commercial Banking propositions from the Commercial Banking team typically up to £5M - personally underwriting such propositions
• Coach colleagues in their responsibilities to deliver support to First Line of Defence colleagues
• Work collegiately with senior management team members, particularly the Director of Commercial Banking and their direct reports. Influence teams across Credit, and the wider Bank, coaching and developing less experienced colleagues
• Ensure 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
• Inspire colleagues to lend the Metro Bank way, focusing on the ‘who’ element and having a deep understanding of
repayment sources - as well as building on your own sectoral and product knowledge
• Operate with the responsibility of an individual personal Lending Authority. Present, analyse, and critique more complex
lending propositions for review by higher authority holders – including the Lead Credit Partner and Head of Commercial &
Commercial Credit
• Help to develop Credit Policy, Standards, and Procedures in a dynamic environment to enable the bank to support
customers in a prudent way, including various Credit Risk based projects
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:
• Experience of Commercial/Commercial Banking propositions, using a personal lending authority to sign off your own lending
decisions
• Demonstratable experience working as a Credit Partner, Relationship Manager and/or distressed debt management
• Excellent stakeholder management and collaborations skills, complimented with strong negotiation skills
• Knowledge of Commercial lending and general banking and finance – including relevant legal concepts and issues
• Excellent problem solving ability
• Wider commercial and economic knowledge/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!