Team Risk and Credit
Location Holborn
County Greater London
Ref # POS_18435
Closing Date 25-Oct-2026
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
- Underwrite Commercial Banking lending propositions up to £5m, exercising personal lending authority and presenting more complex cases for higher-level approval
- Maintain strong lending asset quality through prudent credit assessment, portfolio management, and proactive identification of emerging risks
- Ensure compliance with Metro Bank’s lending policies, standards, procedures, and credit risk governance requirements
- Build strong relationships with Commercial Banking leaders and colleagues, providing challenge, influence, coaching, and support across teams
- Manage workflows efficiently to deliver timely, high-quality lending decisions and support the Bank’s growth objectives
- Promote the Metro Bank approach to lending, combining strong customer understanding with deep product, sector, and repayment source knowledge
- Contribute to the development of Credit Policy, Standards, Procedures, and wider credit risk initiatives while supporting the development of less experienced colleagues
What You Will Need
- Proven experience within Commercial Banking, including exercising personal lending authority and making credit decisions
- Experience as a Credit Partner, Relationship Manager and/or in distressed debt management
- Strong knowledge of commercial lending, banking and finance, including relevant legal and regulatory considerations
- Excellent stakeholder management, collaboration and negotiation skills
- Strong commercial acumen, with a broad understanding of economic trends and market dynamics
- Highly effective problem-solving and decision-making capabilities
- 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!
Important Footnote
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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Commercial Credit Partner employer: Metro Bank (UK)
At Metro Bank, we pride ourselves on being an exceptional employer that prioritises our people and fosters a culture of collaboration and individuality. Located in the vibrant city of Manchester, we offer hybrid working options to ensure a healthy work-life balance, alongside competitive salaries and a comprehensive benefits package that includes generous holiday allowances and career progression opportunities. As the Head of Large Corporate, you will lead a dynamic team while making a significant impact on our corporate banking segment, all within an environment that values trust and authentic connections.
