Commercial Credit Risk Analyst

We have been awarded the “Most Loved Workplace”! At Metro Bank, people come first – our culture is all about bringing the best out in our colleagues, and making sure everyone feels valued, respected, seen and included. We strongly believe in a diverse and inclusive workplace and to find the very best person for the job, we always look across a wide range of diverse communities.

What You Will Do

As the Commercial Credit Risk Analyst, you are a key member of the Commercial Credit Risk Policy & Portfolio Oversight team by developing and delivering data to provide insight into the commercial lending portfolio. You will operate as a subject matter expert on Commercial credit risk data and reporting, commercial credit risk data analytics, data control framework and data developments/improvements.

• Support the Commercial Credit Risk Team with data analysis and processing, including Perform reconciliation and validation routines across all deliverables whilst ensuring data and reporting is timely and accurate
• Interpret and derive insights from data, including the production of portfolio oversights
• Develop technical skills in SAS/SQL, Excel, Access, etc
• Perform reconciliation and validation routines across all deliverables
• Create, operate and enhance a strong reporting and control framework for Commercial credit risk data, ensuring reporting is timely and accurate
• Monitor the Commercial Lending Portfolio including reporting on credit performance, trends and concentrations
• Proactively look for opportunities to improve credit risk reporting, including efficiency and automation of report production, data controls and the consistency of reporting
• Manage CRGA data quality reporting and proactively enhance CRGA data, working with Credit Underwriting and lending teams. Be the subject matter expert, with a strong understanding of the system functionality, performance, and output. Manage any system changes to maintain system integrity
  
  

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

• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• Strong technical skills in SAS/SQL and knowledge of Power BI
• Excellent understanding of the Commercial lending sector, combined with strong knowledge of Commercial credit risk regulatory frameworks, such as IFRS9
• The ability to obtain relevant data from underlying systems to deliver full, accurate and relevant reporting
• Experience of identifying reporting data gaps and issues, to ensure correct interpretation of data delivered
• Strong analytical skills and the ability to perform data manipulations, investigations and report findings
• Excellent attention to detail combined with the ability to manage competing priorities
  
  

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!).
• 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.
  
  

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!