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For Companies At a Glance
- Tasks: Evaluate business applications and support brokers with financial assessments.
- Company: Metro Bank, where people come first and trust is built through connections.
- Benefits: Competitive salary, bonuses, generous holidays, healthcare, and discounts.
- Why this job: Join a team that values individuality and offers career growth opportunities.
- Qualifications: Experience in commercial lending, strong analytical skills, and relationship management.
- Other info: Enjoy hybrid working and a supportive environment focused on doing the right thing.
The predicted salary is between 36000 - 60000 £ per year.
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
- The focal part of your day-to-day role is to consider new business applications against your delegated lending authority; where applications fall outside your authority you will need to prepare and write credit applications for underwriting by the Credit Team.
- Enhance the BDDs and BDMs relationships with their brokers; gather additional information if you think it supports a case and liaise with them when we cannot support, ensuring that the broker understands why.
- Gather information from the customer or broker; assess, analyse and interpret financial information such as financial statements, management accounts, profit and loss statements.
- Have awareness of TCF (Treating Customers Fairly) at all times.
- Discuss individual cases with the credit team and have the ability to put a strong reasoning to support a case if merited.
- Prepare and submit annual reviews for consideration by the credit team.
- 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 in a similar role in another organization with knowledge of commercial lending and SME markets.
- Credit, analytical, and numerical skills.
- Excellent time management skills are of the essence as you may be working under some time constraints and need to be able to multi-task.
- Relationship management skills.
- 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!).
Credit Analyst - Asset Finance in Guildford employer: Metro Bank Plc
Contact Detail:
Metro Bank Plc Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst - Asset Finance in Guildford
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with current Metro Bank employees on LinkedIn. Building relationships can open doors that applications alone can't.
✨Tip Number 2
Prepare for interviews by researching Metro Bank's values and culture. Show us how your skills align with our commitment to treating customers fairly and building trust. We love candidates who resonate with our mission!
✨Tip Number 3
Practice your analytical skills! Brush up on financial statements and credit analysis techniques. Being able to discuss these confidently will impress us during the interview process.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows us you’re genuinely interested in being part of the Metro Bank family.
We think you need these skills to ace Credit Analyst - Asset Finance in Guildford
Some tips for your application 🫡
Show Your Personality: When you're writing your application, let your personality shine through! We want to see the real you, so don’t be afraid to express your individuality and how it aligns with our values at Metro Bank.
Tailor Your Application: Make sure to tailor your application specifically for the Credit Analyst role. Highlight your experience in commercial lending and your analytical skills, as these are key to what we’re looking for. Show us why you’re the perfect fit!
Be Clear and Concise: Keep your application clear and to the point. We appreciate well-structured responses that get straight to the heart of your experience and skills. Remember, we’re busy too, so make it easy for us to see your strengths!
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way to ensure your application gets to us directly. Plus, you’ll find all the info you need about the role and our amazing culture right there.
How to prepare for a job interview at Metro Bank Plc
✨Know Your Numbers
As a Credit Analyst, you'll need to demonstrate your analytical skills. Brush up on financial statements, profit and loss accounts, and management accounts. Be ready to discuss how you interpret these documents and how they influence lending decisions.
✨Build Rapport with Brokers
Since relationship management is key, think about how you can connect with brokers during the interview. Share examples of how you've successfully collaborated with others in the past, and be prepared to discuss how you would enhance relationships at Metro Bank.
✨Understand TCF Principles
Familiarise yourself with the Treating Customers Fairly (TCF) principles. Be ready to explain how you would apply these principles in your role, ensuring that customer needs are always prioritised in your decision-making process.
✨Showcase Your Time Management Skills
Time management is crucial in this role. Prepare to discuss specific strategies you've used to manage multiple tasks under pressure. Highlight any tools or techniques that help you stay organised and meet deadlines effectively.
