Overview
Commercial Lending Director - Cashflow Lending, Birmingham – Metro Bank (UK)
Reporting into the Head of Regional Commercial Lending, you play a vital role in the future growth of Metro Bank through accountability for working within a Regional Commercial team to land and maintain a growing book of commercial lending customers, whilst adhering to regulatory requirements and the risk appetite of the bank.
Responsibilities
* Grow the bank with the acquisition of new borrowing customers
* Develop and deliver your business plan, responding to internal risk challenges, external market challenges, and regulatory requirements
* Develop and maintain active and influential relationships with key market professionals and players, as Metro Bank’s external face to the Commercial market (customers & professionals) building our brand and reputation in this key marketplace
* Manage all aspects of Risk, including Credit, Operational and Regulatory
* Manage, influence and build an internal network across Metro Bank to ensure a One Team approach for customers and colleagues
* Liaise with other internal stakeholders to deliver required propositions and pricing requirements, risk policies and reporting set and managed within appetites
* Be a role model for the Regional Commercial Team and Metro Bank when dealing with customers, intermediaries and colleagues
Note: We are a bank, so risk is a part of everything we do. We value accountability and doing the right thing for customers, colleagues and Metro Bank.
What You Will Need
* Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
* Proven track record of cashflow lending with specialist sector knowledge within commercial/debt advisory/banking environments
* Excellent credit underwriting skills, with a track record of lending to SMEs
* Track record in successfully building, maintaining and growing valuable commercial banking relationships
* Excellent negotiation skills with an ability to interact and influence senior/executive management internally and externally
* Experience as a Commercial Banking Director/Manager/Business Developer or equivalent
* Experience on lending to trading business across sectors such as hospitality, leisure, manufacturing, logistics, food production, professional services etc.
Benefits
* 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!)
* 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
Additional information
* Seniority level: Director
* Employment type: Full-time
* Job function: Business Development and Sales
* Industries: Banking
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