Commercial Analyst

Commercial Analyst

Team

Location Holborn Office

County Central London

Ref # 22740

Closing Date 04-Apr-2025

We have been awarded the "Most Loved Workplace"! At Metro Bank, people come first - our culture is all about bringing the best out 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 the Middle Office at Metro Bank, you will liaise with and support our Commercial Customers with their ongoing lending needs, whilst also supporting Commercial Banking Managers and Directors across our commercial teams in a variety of tasks

• Manage portfolios and ensure financial and risk objectives are achieved for the team, conducting annual reviews and credit assessments

• Via the Middle Office, support Commercial Banking tams manage a portfolio of customers, ensuring all credit and operational risk task are managed and completed in a timely fashion

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

• Process all EDD and high-risk ODDs, and Requests for Information within the allocated timeframe, whilst also managing all low and medium risk ODDs relating to the team within the renewal dates

• 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 EOD's in line with Metropedia guidelines including speed of response, ensuring all EOD's are raised and discussed with your Line Manager monthly

• 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:

• Great experience in building excellent relationships with commercial customers by understanding and supporting them with all their banking requirements, always exceeding expectations

• Credit analysis, analytical and numerical skills alongside great communication and team-working skills

• Experience in a role with direct involvement with developing relationships with commercial customers

• Good risk awareness across both operational and credit environment

• Strong knowledge of key systems including T24, CRM, CRGA, PowerBI and SharePoint

• Knowledge of the commercial lending process, from start to completion

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

• A great ability to work and learn quickly in a fast paced, managing changing priorities, in a professional and dynamic environment

• 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!