The Commercial Banking Team at Metro Bank service the needs of business customers both big and small. It’s your role to make sure we are asking customers the right questions about their businesses, this allows our Commercial Relationship Managers to make the most responsible choices for both our customers and the bank. In-tern we could give businesses the opportunity to grow and provide the best possible service for their own customers.
Depending on the team, most of our roles offer flexible working.
So what would you be doing?...
• On occasions, visiting customers to understand their businesses and their requirements
• Gathering information from customers; assessing, analysing and interpreting financial information to propose sensible risk decisions which you will present and be able to support when questioned;
• Writing, reviewing and submitting credit applications for both new prospects and from existing portfolio(s) for underwriting. You need to have a firm understanding of trading businesses, be able to engage with our Underwriters directly and by way of supporting Relationship Managers
• Managing the risk of the portfolio including, post sanction and drawdown, Annual Reviews, Covenants, Alerts, Enhanced due diligence reviews and the account opening KYC/KYB process. This is a key component of the role so a firm understanding with managing difficult situations and conversations will be needed.
• Working closely with your colleagues in the wider Commercial Team to make sure we give amazing service to all of our customers but generally be able to work independently
Making sure every customer is given amazing service and treated fairly throughout the application process
You need to be this kind of person…
• Passionate about providing unparalleled levels of service and convenience for customers
• Able to work and learn quickly in a fast paced, fun and dynamic environment
• Prepared to stick at something – we get nervous if someone has jumped from job to job as we want people who are prepared to learn and grow
• Care about doing a great job and exceeding expectations with the quality of what you do
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 courage to call out any concerns.
We always support colleagues to develop their skills. But to be successful in this job you really do need to already be able to do most of these wonderful things...
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• Knowledge of the commercial lending process, particularly to small and medium sized businesses
• Experience of reviewing and writing credit applications
• Able to build amazing relationships with colleagues and customers so that we make the right decision for our customers every time
• We are looking for colleagues who want to revolutionise banking by turning customers into fans!
• Have a strong knowledge of business customer needs having managed a business portfolio recently
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