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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
- Work within, and in due course lead, a team of credit underwriters who will underwrite Corporate Banking propositions while also personally underwriting such propositions
- Focus on large and more complex transactions including Structured Finance, small to medium sized Financial Intermediaries & Institutions, Private Equity and Venture Capital backed structures and lending against portfolio investments.
- 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 strict compliance with Metro Bank’s relevant lending policies, standards & processes
- Operate with significant responsibility and integrity including - Personal Lending Authority. Present, analyse, and critique more complex lending propositions for review by higher authority holders – including the Head of Commercial Credit Underwriting and Credit Approval Committee
- Collaborate with senior management team members, particularly Director of Corporate and Head of Structured Finance.
- Ensure workflows are managed efficiently to deliver timely credit underwriting, decisions and / or recommendations to colleagues
- Support the development of 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
- Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
- Direct Corporate & Commercial Credit Underwriting expertise. Including knowledge of, Structured Finance, small to medium sized Financial Intermediaries & Institutions, Private Equity and Venture Capital backed structures and / or lending against portfolio investments
- Experience of managing a team, combined with excellent stakeholder management and collaboration skills
- Established experience working as a Credit Partner, Relationship Manager, possible distressed debt management / work-out or equivalent
- Knowledge of Corporate & Commercial lending and general banking and finance – including relevant legal concepts and issues.
- Understanding of wider Corporate & Commercial areas combined with economic knowledge and awareness
- Excellent negotiation and influencing skills
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!
