Credit Manager

  • Metro Bank
  • Feb 16, 2021
Full time

Job Description

Are you looking for a job in Credit restructuring with a difference? Would you like to be part of a Commercial Credit team where the Relationship and Credit teams work together? Can you work to help customers and protect the banks existing and growing commercial lending? If yes, then we may have the role for you!
As the Credit Manager, you will play a key in the delivery of amazing service as part of a growing team in strong partnership with the Credit and Commercial teams. You will provide guidance around the early identification and management of customers demonstrating signs of deterioration.
So what would you be doing?...
• Engaging timely with lenders where signs of deterioration in lending are evident, with appropriate ongoing management of all cases across the EWL categorised portfolio• Helping to protect and maximise recoveries in situations where the Bank’s commercial lending is evidencing signs of distress• Undertaking detailed background analysis on customers and lending, utilising a wide variety of information sources to assist in formulating recovery strategies• Preparing important Bank documentation to a high standard where the Bank may have to rely on these documents in a formal recovery scenario• Coaching colleagues to increase awareness of customer’s borrowings showing signs of distress and of the appropriate principles and actions required
You need to be this kind of person…
• Passionate about providing unparalleled levels of service and convenience for customers• Able to work and learn quickly in a fast paced, fun and dynamic environmentPrepared to stick at something – we wonder what might be the issue if someone has jumped from job to job as we want people who are prepared to learn and grow • Care about doing a great job and exceeding expectations with the quality of what you do• Able to work and learn quickly in a fast paced, fun and dynamic environment
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.
We always support colleagues to develop their skills. But to be successful in this job you really do need to already be able to do most of these wonderful things...
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders• You must have an understanding of Bank systems, lending policies and processes• Ideally, you will have experience in having difficult conversations with customers whose lending is showing signs of distress• You need to have an understanding of the importance of accurate information and data in all such situations

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!