At a Glance
- Tasks: Support Commercial Banking Managers in managing client portfolios and ensuring compliance with credit tasks.
- Company: Join a leading financial institution with a focus on innovation and teamwork.
- Benefits: Enjoy a competitive salary, bonuses, generous holidays, and great career progression.
- Other info: Opportunities for extensive training and internal promotions await you!
- Why this job: Make a real impact in commercial banking while developing your skills in a dynamic environment.
- Qualifications: Experience in credit analysis and strong knowledge of commercial lending processes required.
The predicted salary is between 45000 - 55000 £ per year.
Location: AMAZE Central - Holborn, Greater London
Responsibilities:
- Provide comprehensive support to Commercial Banking Managers and Lending Directors in managing client portfolios, ensuring all credit and operational risk tasks are completed accurately and within required timelines.
- Assist in the timely completion of credit applications (including annual credit renewals), ensuring adherence to established deadlines and internal standards.
- Administer covenant monitoring and Conditions Subsequent, ensuring all requirements are met as they fall due and escalating to Credit where appropriate in cases of non‑compliance.
- Maintain and update Credit Risk Grading (CRGA) records across portfolios, ensuring accuracy with each credit application submission and compliance with internal guidance.
- Manage Events of Default (EODs) in line with internal procedures, ensuring timely identification, escalation, and monthly review with the Line Manager.
- Manage Enhanced Due Diligence (EDD), High‑Risk Ongoing Due Diligence (ODD), and Requests for Information within defined service levels, while also overseeing low and medium‑risk ODD activities in line with renewal schedules.
- Oversee Experian alerts in accordance with internal timelines, while maintaining accurate Standard Industrial Classification (SIC) code alignment across all portfolios.
- Build and maintain strong working relationships with key stakeholders, including Frontline, Credit, Lending & Securities, Lending Operations, Financial Crime Risk & Controls, and the Wider Commercial Teams.
Requirements:
- Comprehensive understanding of the commercial lending lifecycle, from initial application through to completion.
- Good experience in credit analysis and application drafting.
- Strong working knowledge of key systems such as T24, CRM, CRGA, Power BI, and SharePoint, ensuring their effective and accurate use in day‑to‑day activities.
- Understanding of the risks associated with the role and proactively managing them, recognising the impact on the organisation, its stakeholders, and overall risk profile.
- Providing sound KYC support and possessing a good understanding of Financial Crime frameworks, Anti‑Money Laundering (AML) requirements, and Treating Customers Fairly (TCF) principles, ensuring full compliance with regulatory expectations.
Benefits:
- Competitive salary, discretionary annual bonus, and a wide range of benefits including a generous holiday allowance, attractive pension scheme, healthcare, life assurance, and various colleague discounts.
- Extensive training and internal career progression opportunities (approximately 40% of recruitment comes from internal promotions).
Commercial Analyst employer: Metro Bank (UK)
At our Holborn location, we pride ourselves on being an excellent employer that values employee growth and development. With a competitive salary and a comprehensive benefits package, including generous holiday allowances and healthcare, we foster a supportive work culture that encourages collaboration and innovation. Our commitment to internal promotions means that approximately 40% of our roles are filled by existing employees, providing ample opportunities for career advancement in the dynamic field of commercial banking.
StudySmarter Expert Advice🤫
We think this is how you could land Commercial Analyst
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. Building relationships can open doors that a CV just can't.
✨Tip Number 2
Prepare for interviews by researching the company and role thoroughly. Know your stuff about commercial lending and be ready to discuss how your skills align with their needs.
✨Tip Number 3
Practice your responses to common interview questions. Use the STAR method (Situation, Task, Action, Result) to structure your answers and showcase your experience effectively.
✨Tip Number 4
Don’t forget to follow up after interviews! A quick thank you email can leave a lasting impression and show your enthusiasm for the role. And remember, apply through our website for the best chance!
We think you need these skills to ace Commercial Analyst
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the Commercial Analyst role. Highlight your experience in credit analysis and application drafting, as well as your understanding of the commercial lending lifecycle. This shows us you’re serious about the position!
Showcase Relevant Skills:Don’t forget to mention your familiarity with key systems like T24, CRM, and Power BI. We love seeing candidates who can hit the ground running, so make it clear how your skills align with what we need.
Be Clear and Concise:When writing your application, keep it straightforward and to the point. Use bullet points where possible to make it easy for us to see your qualifications and experiences at a glance. We appreciate clarity!
Apply Through Our Website:We encourage you to submit your application through our website. It’s the best way for us to receive your details and ensures you’re considered for the role. Plus, it’s super easy to do!
How to prepare for a job interview at Metro Bank (UK)
✨Know Your Commercial Lending Lifecycle
Make sure you brush up on the commercial lending lifecycle. Understand each stage from application to completion, as this will show your potential employer that you’re not just familiar with the process but can also contribute effectively to their operations.
✨Master the Key Systems
Familiarise yourself with key systems like T24, CRM, and Power BI. If you can demonstrate your proficiency in these tools during the interview, it’ll give you a significant edge over other candidates who may not have the same level of experience.
✨Showcase Your Risk Management Skills
Be prepared to discuss how you’ve proactively managed risks in previous roles. Highlight specific examples where you identified potential issues and took steps to mitigate them, as this aligns perfectly with the responsibilities of a Commercial Analyst.
✨Build Relationships Like a Pro
Since building strong working relationships is key for this role, think of examples from your past experiences where you successfully collaborated with stakeholders. This will demonstrate your interpersonal skills and ability to work within a team, which is crucial for success in this position.
