(CBM) Commercial Banking Manager - Real Estate Finance

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:

• As a Commercial Banking Manager in the Real Estate lending team at Metro Bank you will use your Commercial Real Estate lending experience to help grow the bank through new customer acquisition and by maintain an active portfolio of existing customers
• Our Commercial Banking Manager are proactive external faces to the large commercial real estate market, working closely with our Commercial Banking Directors to build on Metro Bank’s brand reputation in this key marketplace - Real Estate lending as an Asset Class makes up an increasingly significant part of our Commercial Balance Sheet
• Deliver on lending and other objectives, responding to external market challenges, regulatory requirements, and internal risk challenges
• Manage, influence and build a network across the bank to ensure a One Team approach for customers and colleagues and to deliver required propositions and pricing requirements, risk policies and reporting set and managed within appetites
• Manage aspects of risk, including Credit, Operational and Regulatory
• Work closely with Commercial Relationship Managers and Commercial Analysts, leading by example to ensure a high performance, objectives driven and customer focused team
• Oversee the customer onboarding experience, including completion of KYC, liaison with customer, as well as Financial Crime and Account Opening Teams.

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:

• 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 between £5-£10m
• Experienced in business development in commercial/corporate Real Estate lending, within a banking or similar financial services environment
• Excellent credit origination and deal structuring skills, with a track record of lending to complex Real Estate Finance customers, including large residential and mixed residential sub asset classes
• In-depth knowledge of commercial banking, property investment and development lending, with general wider commercial banking and product knowledge
• Experienced in credit writing, financial analysis and report writing for customers with complex requirements
• Ability to confidentially represent your team and the Bank on various Committees, Forums and other formal groups both internally and externally
• Excellent communication and customer/client relationship management with the ethos of providing excellent customer service
• Excellent negotiation skills with an ability to interact and influence senior/executive management, internally and externally
• To understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

• Knowledge of mandatory KYC procedures and regulatory financial crime oversight requirements

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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