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For Companies At a Glance
- Tasks: Evaluate business applications and support brokers with financial assessments.
- Company: Metro Bank, a people-first bank focused on authentic connections.
- Benefits: Competitive salary, annual bonus, generous holidays, and healthcare benefits.
- Why this job: Join a dynamic team and make a real impact in commercial banking.
- Qualifications: Experience in commercial lending and strong analytical skills required.
- Other info: Opportunities for career progression and a supportive work environment.
The predicted salary is between 28800 - 43200 £ 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 the ability to put a strong reasoning to support a case if merited.
- Prepare and submit annual reviews for consideration by the credit team.
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
- 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!).
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?
Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!
Credit Analyst - Asset Finance in Guildford employer: Metro Bank (UK)
Contact Detail:
Metro Bank (UK) 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 employees at Metro Bank. A friendly chat can sometimes lead to opportunities that aren’t even advertised!
✨Tip Number 2
Prepare for interviews by practising common questions related to credit analysis and commercial lending. We recommend using the STAR method (Situation, Task, Action, Result) to structure your answers and showcase your skills effectively.
✨Tip Number 3
Show your passion for the role! When you get the chance to speak with hiring managers, let them know why you’re excited about working at Metro Bank and how you can contribute to their mission of building trust through authentic connections.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team at Metro Bank.
We think you need these skills to ace Credit Analyst - Asset Finance in Guildford
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experience mentioned in the job description. Highlight your credit analysis and relationship management skills, as these are key for the Credit Analyst role.
Craft a Compelling Cover Letter: Use your cover letter to tell us why you’re passionate about this role at Metro Bank. Share specific examples of how you've handled similar responsibilities in the past, especially in commercial lending.
Showcase Your Analytical Skills: Since the role involves assessing financial information, be sure to mention any relevant experience you have with financial statements or credit applications. We want to see your analytical prowess shine through!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates regarding your application status.
How to prepare for a job interview at Metro Bank (UK)
✨Know Your Numbers
As a Credit Analyst, you'll need to demonstrate your analytical and numerical 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 Relationships
Metro Bank values strong relationships with brokers and customers. Prepare examples of how you've successfully managed relationships in the past. Think about times when you gathered additional information or communicated effectively to resolve issues.
✨Understand Risk Management
Risk is a big part of banking, so show that you understand the risks associated with lending. Be prepared to discuss how you assess risk in your previous roles and how you would approach it at Metro Bank. This will demonstrate your responsibility and commitment to doing the right thing.
✨Embrace the Culture
Metro Bank prides itself on its culture of care and collaboration. Familiarise yourself with their values and think about how you can contribute to this environment. During the interview, share your thoughts on teamwork and how you can help build trust within the team.
