Commercial Analyst

Team Commercial & Private Banking

Location Holborn Office

County Central London

Ref # 22468

Closing Date 01-Dec-2024

We have been awarded the “Most Loved Workplace”! At Metro Bank, people come first – our culture is all about bringing out the best in our colleagues, and making sure everyone feels valued, respected, seen and included. We strongly believe in a diverse and inclusive workplace and to find the very best person for the job, we always look across a wide range of diverse communities.   

 What you will do:

 

• As a Commercial Analyst in our Commercial Lending team at Metro Bank you will liaise with and supporting our commercial borrowing customers with their ongoing needs, 

• Work closely with Commercial Lending Directors and Specialist across the team to help manage their portfolios, ensuring all credit and operational risk task are handled and that all financial and risk objectives are achieved for the team 

• Our Commercial Analyst for lending is responsible for credit approved deal flow, liaising with internal and external stakeholders to ensure completions are carried out within SLAs

• Support the completion of annual renewals for credit applications, within set deadlines

• Process all Covenants and Conditions Subsequent as they fall due and escalate appropriately with Credit if the covenants are not going to be met

• Manage all Experian alerts within the dates and time frame given within Metropedia, along with ensuring SIC Code integrity to be maintained across portfolios

• Maintain CRGA across portfolios and update appropriately with each Credit Application submission and to reflect the guidance provided on CRGA completion

• Manage EODs in line with policy guidelines including speed of response, ensuring all EODs are raised and discussed with your Line Manager monthly

• Process all EDD and high-risk ODDs, and RoIs within allocated timeframe, whilst also managing all low and medium risk ODDs relating to the team within the renewal date

• Develop and maintain key relationships with other departments such as Credit, Lending & Securities, Lending Operations, Financial Crime Risk & Controls and Regional Teams

 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:

 

• To be considered for our Commercial Analyst (Lending) you will need to demonstrate experience in a financial services environment in a role working directly with commercial customers, with hands on involvement in developing working relationships both internally and externally and at a range of different seniority levels 

• Proven commercial credit, analytical and numerical skills

• Knowledge of the commercial lending process, from start to completion, as well as on-boarding/ account opening experience

• Good risk awareness across both operational and credit environments

• Excellent customer service, communication and team-working skills 

• A strong knowledge of our systems including T24, CRM, CRGA, PowerBi and SharePoint

• A good working understanding of Financial Crime and AML requirements, as well as TCF/conduct expectations, with the ability to provide KYC support

• To 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!)

• 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

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!