Overview

Commercial Lending Director - Cashflow Lending, Birmingham – Metro Bank (UK)

Reporting into the Head of Regional Commercial Lending, you play a vital role in the future growth of Metro Bank through accountability for working within a Regional Commercial team to land and maintain a growing book of commercial lending customers, whilst adhering to regulatory requirements and the risk appetite of the bank.

Responsibilities

• Grow the bank with the acquisition of new borrowing customers
• Develop and deliver your business plan, responding to internal risk challenges, external market challenges, and regulatory requirements
• Develop and maintain active and influential relationships with key market professionals and players, as Metro Bank’s external face to the Commercial market (customers & professionals) building our brand and reputation in this key marketplace
• Manage all aspects of Risk, including Credit, Operational and Regulatory
• Manage, influence and build an internal network across Metro Bank to ensure a One Team approach for customers and colleagues
• Liaise with other internal stakeholders to deliver required propositions and pricing requirements, risk policies and reporting set and managed within appetites
• Be a role model for the Regional Commercial Team and Metro Bank when dealing with customers, intermediaries and colleagues

Note: We are a bank, so risk is a part of everything we do. We value accountability and doing the right thing for customers, colleagues and Metro Bank.

What You Will Need

• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• Proven track record of cashflow lending with specialist sector knowledge within commercial/debt advisory/banking environments
• Excellent credit underwriting skills, with a track record of lending to SMEs
• Track record in successfully building, maintaining and growing valuable commercial banking relationships
• Excellent negotiation skills with an ability to interact and influence senior/executive management internally and externally
• Experience as a Commercial Banking Director/Manager/Business Developer or equivalent
• Experience on lending to trading business across sectors such as hospitality, leisure, manufacturing, logistics, food production, professional services etc.

Benefits

• 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

Additional information

• Seniority level: Director
• Employment type: Full-time
• Job function: Business Development and Sales
• Industries: Banking