Auditor

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:

Audit Delivery & Portfolio Assurance

• Complete pre‑lend and in‑life Block Discounting and Receivables audits (monthly, quarterly or risk‑based), delivering reports on time and to the required depth and quality in line with approved Standard Operating Procedures (SOPs).
• Undertake Sub‑Hire audits, ensuring verification of asset ownership, utilisation, customer eligibility and compliance with facility terms.
• Complete asset inspections, reconciliations and validation reviews across all Asset Finance products, including HP, Lease, Loan and Sub‑Hire portfolios, in accordance with SOPs and agreed audit scopes.
• Apply professional judgement to expand testing where risk indicators are identified, ensuring issues are fully understood, evidenced and clearly documented.

Risk Identification & Issue Management

• Identify, assess and clearly report Minimum Cover Ratio (MCR), SNC and other covenant breaches, control weaknesses, fraud indicators and operational risks.
• Promptly advise Block and Receivables customers of any confirmed breaches and clearly articulate the required cures (e.g. collateral top‑ups, cash injections, replacement paper).
• Escalate material issues, emerging risks and repeat findings through appropriate governance channels in line with escalation procedures.

Stakeholder Engagement & Planning

• Liaise effectively with Wholesale / Block Relationship Managers and Business Development Directors to plan, scope and prioritise audit and survey activity.
• Proactively engage with Block, Receivables and Asset Finance customers and prospects, ensuring they are informed, prepared and cooperative ahead of audit or survey visits.
• Build constructive working relationships while maintaining independence, professionalism and objectivity at all times.

Planning, Organisation & Productivity

• Organise and manage own diary, travel and workload to ensure all assigned audits, inspections and reports are completed within agreed timescales.
• Maintain sufficient survey and inspection capacity to respond to business demand, risk‑based reviews and ad‑hoc requests.

Reporting & MI

• Produce clear, accurate and well‑structured audit reports, setting out findings, root causes, risk ratings and recommended actions.
• Maintain high‑quality audit files and evidence trails to support internal review, external audit and regulatory scrutiny.

Compliance & Standards

• Operate in line with internal policies, SOPs, FCA and AML requirements, and best practice within Asset Finance audit and assurance.
• Support continuous improvement of audit methodologies, controls and processes across the Asset Finance portfolio.

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:

• Demonstrable experience working in an Asset Finance audit, assurance, controls or risk role, with hands‑on delivery of pre‑lend and in‑life reviews.
• Strong, practical experience of Block Discounting and/or Receivables Purchase facilities, including portfolio testing, collateral verification and cover ratio validation.
• Experience of undertaking Sub‑Hire audits, asset inspections and validation exercises across a range of asset types.
• Experience of reviewing asset finance agreements, schedules and supporting documentation, including HP, Lease and Loan products.
• Proven ability to identify covenant breaches, control weaknesses and fraud indicators, and to clearly document findings and required remedial actions.
• Experience of producing clear, structured and timely audit reports suitable for senior stakeholders, Credit and Risk teams.
• Experience of working directly with customers, relationship managers and business development teams in a professional and structured audit environment.
• Strong understanding of the UK Asset Finance market and product types (HP, Lease, Loan, Sub‑Hire).
• Awareness of FCA, AML, KYC and Consumer Duty considerations relevant to Asset Finance and wholesale structures.

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!).