Responsibilities

Support the Head of Business and Credit Support (BandCS) in identifying, categorising and managing customers and corporate / commercial lending showing signs of risk deterioration, including taking ownership of customer engagement and management (through an insolvency and formal recovery process if/when appropriate), focusing on achieving both a full understanding of and the best outcome for the Bank and customer within an acceptable timescale

Assist the Corporate / Commercial and Credit Underwriting teams (and more junior BandCS colleagues) in developing specific timebound strategic action plans to address lending quality concerns (assisting with provisioning calculations where appropriate), ensuring a prompt and appropriate understanding of the position and response / engagement with customers

Coaching of colleagues to increase awareness of customers and / or borrowings showing signs of distress including contributing to ''lessons learned'' training

Maintain accurate information and data records in the Customer Relationship Management (CRM) based Case Management System (CMS) and Commercial Risk Grading Application (CRGA) customer rating system

Be confident using a personal delegated lending discretion (DLA) where appropriate

Deal directly with customers or sometimes in support of the 1st line of defence (LOD) Relationship Managers (RM''s) communicating clearly and delivering difficult messages when necessary, negotiating to achieve the best outcomes on all Early Warning (EW) cases

Appropriately engage with and manage Insolvency / Property and Legal Professionals cost effectively on cases, always with an eye to achieving the most appropriate strategy within an acceptable timescale (with these regularly discussed and reviewed in conjunction with the HO BandCS)

Be mindful of and follow Treating Customers Fairly (TCF) principles at all times

Undertaking difficult and complex negotiations where necessary to protect the Bank''s position and maximize outcomes whilst still evidencing TCF

Ensure adherence to Metro Bank Policies / Lending Standards and effective management of operational risks

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

Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

Strong understanding and experience of unregulated corporate / commercial lending to businesses showing signs of distress and the importance of cash flow / liquidity

Knowledge and use of an effective Early Warning List (EWL) identification / management process

Experience of restructuring turnaround and/or recoveries strategies and activities for a corporate / commercial portfolio, and the internal impact of these, including basic assessment of potential individual impairments

Internal and external stakeholder engagement and management experience; complimented with the ability to hold difficult conversations/negotiations

Strong customer relationship management including difficult conversations / negotiations

Ability to influence, coach and develop members of the BandCS, Credit and Relationship Management teams

Experience of having and used an individual delegated lending authority (DLA)

Wider Economic Trading Business awareness and of the Property Market in general

Good understanding of and experience in conduct risk and TCF principles

Experience of Bank systems, lending policies and processes (and the importance of accurate record keeping) ensuring an audit trail is maintained

Benefits and working style

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.

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