Credit Analyst - Asset Finance

Overview

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.

• 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 have 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.

• 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.

• 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!).