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For Companies At a Glance
- Tasks: Evaluate business applications and prepare credit applications for underwriting.
- Company: Join a dynamic bank focused on customer satisfaction and responsible lending.
- Benefits: Competitive salary, annual bonus, generous holidays, and great colleague discounts.
- Why this job: Make a real impact in the finance sector while developing your analytical skills.
- Qualifications: Experience in commercial lending and strong analytical skills required.
- Other info: Opportunities for career progression with 40% of roles filled internally.
The predicted salary is between 36000 - 60000 £ per year.
Overview
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!).
Credit Analyst - Asset Finance in Guildford employer: Metro Bank
Contact Detail:
Metro Bank 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, especially those who work at Metro Bank or similar organisations. A friendly chat can open doors and give you insights that might just help you land that Credit Analyst role.
✨Tip Number 2
Prepare for interviews by brushing up on your credit analysis skills. Be ready to discuss how you assess financial statements and manage risks. We want to see your analytical prowess shine through!
✨Tip Number 3
Showcase your relationship management skills! Think of examples where you've successfully liaised with clients or brokers. We love candidates who can build strong connections and communicate effectively.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we’re always on the lookout for talent that aligns with our values of responsibility and customer care.
We think you need these skills to ace Credit Analyst - Asset Finance in Guildford
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Credit Analyst role. Highlight your experience in commercial lending and any relevant analytical skills that match what we're looking for. We want to see how you can bring value to our team!
Showcase Your Skills: Don’t just list your skills; give us examples of how you've used them in previous roles. Whether it's managing relationships with brokers or analysing financial statements, we love seeing real-life applications of your expertise.
Be Clear and Concise: When writing your application, keep it straightforward and to the point. We appreciate clarity, so avoid jargon and make sure your reasoning is easy to follow. This will help us understand your thought process better!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you're keen on joining the Metro Bank family!
How to prepare for a job interview at Metro Bank
✨Know Your Numbers
As a Credit Analyst, you'll be dealing with financial statements and profit and loss accounts. Brush up on your analytical skills and be ready to discuss how you interpret these documents. Prepare examples from your past experience where you've successfully assessed financial information.
✨Understand the Role of Risk
Risk management is crucial in this role. Familiarise yourself with the risks associated with lending and be prepared to discuss how you would approach risk assessment. Think about specific scenarios where you had to make tough decisions regarding credit applications.
✨Build Relationships
Relationship management is key in this position. Be ready to talk about how you've built and maintained relationships with brokers or clients in previous roles. Share examples of how you’ve effectively communicated complex information to ensure understanding.
✨Showcase Your Time Management Skills
You'll need to juggle multiple tasks under time constraints. Prepare to discuss how you prioritise your workload and manage deadlines. Consider sharing a specific instance where your time management made a significant difference in your work.
