Job Description

Team

Risk and Credit

Location

Holborn Office

County

Central London

Ref #

23687

Closing Date

28-Sep-2025


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:

Underwrite Commercial Banking propositions from the Real Estate Finance, Private Banking and Partnerships teams Coach and support First Line of Defence colleagues through the lending partnership model Work collegiately with senior management team members, particularly the Credit Partners and Lead Credit Partners 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 Lend the Metro Bank way, focusing on the 'who' element and having a deep understanding of repayment sources - as well as building up your own sectoral and product knowledge Operate with an individual personal Delegated Lending Authority Metro Bank. Present, analyse, and critique more complex lending propositions for review by higher authority holders Maintain a positive, flexible, and pragmatic outlook in a pressured environment to help the bank achieve its growth objectives Selectively accompanying First Line of Defence colleagues in meetings with / visits to borrowing customers


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 Experience of directly writing of and/or underwriting of Commercial Banking propositions, using a personal lending authority to sign off your own lending decisions Experience working as a Credit Manager, Relationship Management, RM Support or Distressed Debt Management or equivalent Knowledge of commercial lending and general banking and finance - including relevant legal concepts and issues Excellent Stakeholder Management/Engagement and negotiation skills Knowledge of commercial lending and general banking and finance, including relevant legal concepts and issues Wider commercial and economic knowledge and awareness

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.

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!