Commercial Lending Director - Cashflow Lending, Manchester

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.

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.

What you will do:

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

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.

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.