Commercial Credit Partner

• 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
• 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
• 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.
• 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!

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