Job Description

Team

Risk and Credit

Location

Holborn Office

County

Central London

Ref #

24200

Closing Date

02-Jan-2026


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:

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 signsEnsure 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

objectivesInspire 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 knowledgeOperate 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 CreditHelp 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

decisionsDemonstratable 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!

Important Footnote

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!