Commercial Lending Director - Cashflow Lending, Manchester

Metro Bank; Manchester; Hybrid; GBP 150,000 - 200,000; Full time

Job summary

A leading banking institution is seeking a Commercial Lending Director for Cashflow Lending based in Manchester. The ideal candidate will have a proven record in cashflow lending, strong credit underwriting skills, and a solid background in commercial banking relationships. This role offers a competitive salary, a discretionary bonus, and hybrid working options to support work-life balance.

Benefits

Competitive salary

Discretionary annual bonus

Health care

Training opportunities

Qualifications

• Proven track record of cashflow lending.
• Experience lending to SMEs.
• Experience as a Commercial Banking Director or equivalent.

Responsibilities

• Grow the bank by acquiring new borrowing customers.
• Develop and deliver business plans.
• Manage all aspects of risk including Credit and Operational.

Skills

Cashflow lending experience

Credit underwriting skills

Negotiation skills

Relationship management

Job description

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Commercial Lending Director - Cashflow Lending, Manchester, Manchester

Location: Manchester, United Kingdom

Job Category: Other

EU work permit required: Yes

Job Reference:

e8d7d188ac80

Job Views:

4

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
• 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, 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

Risk is a part of everything we do. We value responsibility, doing the right thing for customers, colleagues, and Metro Bank, and having the courage to voice 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 sector knowledge within commercial/debt advisory/banking environments
• Excellent credit underwriting skills, with experience lending to SMEs
• Track record in building, maintaining, and growing valuable commercial banking relationships
• Excellent negotiation skills, with the ability to influence senior/executive management
• Experience as a Commercial Banking Director/Manager/Business Developer or equivalent
• Experience lending to trading businesses across sectors such as hospitality, leisure, manufacturing, logistics, food production, professional services, etc.

Our promise to you:

• Competitive salary, discretionary annual bonus, and benefits including holiday allowance, pension scheme, healthcare, life assurance, and colleague discounts
• Training and internal opportunities for career progression
• Hybrid working options to promote work-life balance