(CBD) Commercial Banking Director - Real Estate Finance in Birmingham

Birmingham

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.

You are key component for delivering the business model for Real Estate Finance.

Real Estate lending as an Asset Class makes up an increasingly significant part of the Commercial Balance Sheet, and you will support the Head of Real Estate in being Metro Bank’s external face to the property market (customers and professionals), building our brand reputation in this key market place.

What you will do:

• You will lead, motivate and inspire a team of Relationship Managers and Commercial Analysts who will report to you.
• You will lead by example and develop the team to ensure high performance, professional growth and alignment with team values and goals.
• You will manage the workflow and performance of the team, ensuring timely compliance of all credit and operational risk tasks.
• You will manage an active portfolio of Real Estate customers and growing the bank with the acquisition of new customers.
• You will deliver on lending and other objectives, responding to internal risk challenges, external market challenges, and regulatory requirements.
• You will develop and maintain active and influential relationships with key market professionals and players.
• You will be Metro Bank’s external face to the large Commercial Real Estate market (customers & professionals), building our brand reputation in this key market place.
• You will manage all aspects of Risk, including Credit, Operational and Regulatory.
• You will manage, influence and build an internal network across Metro Bank to ensure a One Team approach for customers and colleagues.
• You will liaise with other internal stakeholders to deliver required propositions and pricing requirements, risk policies and reporting set and managed within appetites.
• You will support career development of colleagues and be a role model for colleagues such as Commercial Banking Directors and Commercial Banking Managers who may be looking to progress into your role in the future.

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 courage 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
• You will have experience structuring and delivering commercial property lending deals across asset classes such as residential investment (BTL & HMOs portfolios), commercial property (including offices, retail, industrial, leisure, PBSA etc), and mixed-use portfolios (residential & commercial use).
• You will have experience of regularly delivering transaction sizes more than £10m+
• You will have a track record of relationship management skills and specialist sector knowledge within commercial/corporate Real Estate Finance environments.
• You will have in depth knowledge of commercial banking, property investment and development lending with general wider commercial banking and product knowledge.
• You will be experienced in credit writing, financial analysis and report writing for customers with complex needs
• Knowledge of mandatory KYC procedures and regulatory financial crime oversight requirements
• You will have specific Corporate and Commercial experience within Real Estate Finance
• You will be able to apply a pragmatic approach to managing multiple responsibilities within a rapidly changing environment.
• You will have the ability to manage a profit and loss and a balance sheet with a complicated and challenging risk environment.
• You will have direct involvement with developing relationships both internally and externally at senior/executive level
• You will have the ability to represent your team and/or the Bank on various Committees, Forums and other formal groups of people.

Our promise to you…

• We believe in “one in, one up” at Metro Bank, growing our own and promoting from within. That is why we are looking for YOU! An AMAZEING colleague to move into this FANtastic new role!
• 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? Good luck!

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