Commercial Analyst – Lending at Metro Bank – England, UK

Big Data Analytics
United Kingdom
January 24, 2025
Full Time
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Job Description

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 within the Commercial Lending team here at Metro Bank, you will liaise with and supporting our commercial borrowing customers with their initial and ongoing needs
  • Work closely with Commercial Lending Directors and Specialist across the Commercial team to help manage their portfolios, ensuring all credit and operational risk task are handled, and that all financial and risk objectives are achieved
  • Our Commercial Analysts for lending are responsible for credit approved deal flow by liaising with internal and external stakeholders to ensure completions are carried out within SLAs
  • Assist Front Line preparing Heads of Terms and progressing the facility documentation process
  • Process all Covenants and Conditions Subsequent as they fall due and escalate appropriately with Credit if the covenants are not going to be met
  • Support the completion of annual renewals for credit applications, within set deadlines
  • 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

  • Demonstrable 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 and account opening experience
  • Good commercial risk awareness across both operational and credit environments
  • Excellent customer service, communication and team-working skills
  • A strong knowledge of 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
  • Ability to manage the post credit approval process for new lending transactions, including documentation, disbursements, CP/CS satisfaction and servicing set-up
  • To understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

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