Commercial Lending Director - Cashflow Lending, Birmingham

Metro Bank; Birmingham; Hybrid; GBP 125,000 - 150,000; Full time

Job summary

A prominent UK bank in Birmingham is seeking a skilled Commercial Lending Director specializing in cashflow lending. The ideal candidate will manage risk and build valuable banking relationships. The role offers a competitive salary and benefits, with opportunities for hybrid working and internal promotion. Excellent negotiation skills and a background in commercial banking are required.

Benefits

Competitive salary

Discretionary annual bonus

Generous holiday allowance

Attractive pension scheme

Healthcare

Life assurance

Colleague discounts

Qualifications

• Proven track record in cashflow lending.
• Experience in building and maintaining banking relationships.
• Excellent negotiation and influencing skills.

Responsibilities

• Grow the bank with new borrowing customers.
• Manage all aspects of Risk including Credit and Operational.
• Liaise with internal stakeholders to meet customer needs.

Skills

Cashflow lending experience

Credit underwriting skills

Commercial banking relationship building

Excellent negotiation skills

Job description

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Commercial Lending Director - Cashflow Lending, Birmingham, Birmingham

Location:

Birmingham, United Kingdom

Job Category:

Other

-

EU work permit required:

Yes

Job Reference:

818edf1f3423

Job Views:

9

Posted:

12.08.2025

Expiry Date:

26.09.2025

Job Description:

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.

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.