At a Glance
- Tasks: Support Commercial Banking Managers in managing client portfolios and credit applications.
- Company: Dynamic financial institution with a focus on innovation and teamwork.
- Benefits: Competitive salary, annual bonus, generous holiday allowance, and extensive training opportunities.
- Other info: Great career progression with 40% of roles filled internally.
- Why this job: Join a team that values your growth and offers real impact in commercial lending.
- Qualifications: Experience in credit analysis and strong knowledge of commercial lending processes.
The predicted salary is between 50000 - 65000 £ 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).
Strategic Commercial Lending & Credit Analyst employer: Metro Bank (UK)
At AMAZE Central in Holborn, Greater London, we pride ourselves on being an exceptional employer that values employee growth and development. With a competitive salary, generous benefits package, and a strong emphasis on internal promotions, we foster a collaborative work culture where you can thrive in your role as a Strategic Commercial Lending & Credit Analyst. Join us to build meaningful relationships with key stakeholders while contributing to our commitment to excellence in commercial banking.
StudySmarter Expert Advice🤫
We think this is how you could land Strategic Commercial Lending & Credit 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 credit analysis so you can impress them with your knowledge.
✨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 skills effectively.
✨Tip Number 4
Don’t forget to follow up after interviews! A quick thank-you email can keep you top of mind 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 Strategic Commercial Lending & Credit Analyst
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the Strategic Commercial Lending & Credit 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 Your 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 let us know how you've used these tools in your previous roles.
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 achievements. We appreciate clarity and organisation!
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 Stuff
Make sure you brush up on the commercial lending lifecycle. Understand every step from application to completion, and be ready to discuss how your experience aligns with this process. It’ll show that you’re not just familiar with the theory but can apply it in practice.
✨Get Familiar with Key Systems
Since the role requires knowledge of systems like T24, CRM, and Power BI, take some time to get acquainted with them. If you’ve used similar tools before, be prepared to share specific examples of how you’ve leveraged technology to enhance your work efficiency.
✨Showcase Your Risk Management Skills
Understanding risks is crucial for this position. Be ready to discuss how you’ve identified and managed risks in previous roles. Use concrete examples to illustrate your proactive approach and how it positively impacted your team or organisation.
✨Build Relationships Like a Pro
This job involves working closely with various stakeholders. Think about times when you’ve successfully built relationships in a professional setting. Share these experiences during your interview to demonstrate your ability to collaborate effectively across teams.
