Corporate & Commercial Credit Risk Specialist - Risk Assurance

Metro Bank; City Of London; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

A financial institution in the City of London seeks a Credit Risk Expert to develop and improve credit risk assurance activities. The role requires strong analytical and credit risk skills, focusing on corporate and commercial lending. Candidates should have extensive experience in credit risk, the ability to present to stakeholders, and a proactive approach to risk management. Competitive salary and hybrid working opportunities are offered.

Benefits

Competitive salary

Discretionary annual bonus

Generous holiday allowance

Attractive pension scheme

Healthcare

Life assurance

Colleague discounts

Training opportunities

Qualifications

• Extensive demonstrable experience in Corporate & Commercial credit risk, underwriting or credit assurance.
• Strong knowledge of credit risk management frameworks.
• Skilled in preparing and presenting detailed documentation for executive stakeholders.

Responsibilities

• Lead the development of the annual credit risk assurance plan.
• Execute credit risk assurance across all Corporate and Commercial lending.
• Identify control gaps and recommend effective solutions.

Skills

Analytical skills

Credit risk expertise

Influencing ability

Risk-based approach

Strong communication

Job description

The Credit Risk Expert is responsible for the development, execution, and continuous improvement of Metro Bank's credit risk assurance activity. The role provides oversight and assurance through independent review and testing of credit decisions, identifying improvements, control gaps and learning outcomes. This role is critical to support safe growth in our Corporate and Commercial lending. This is a technical specialist role in a growing business which requires strong analytical skills, credit risk expertise across a range of Corporate and Commercial lending areas, a strategic mindset and exceptional influencing ability at all levels.

Responsibilities

• Lead the development of the annual credit risk assurance plan and present the plan for formal approval by the appropriate governance body, whilst ensuring it supports sustainable, long-term growth and value creation
• Execute credit risk assurance across all Corporate and Commercial lending, engaging with all relevant business units and control functions to ensure coverage of key risks
• Align assurance activity with the bank's future strategy, objectives, and risk appetite, ensuring that assurance activities address current priorities while also anticipating emerging risks and regulatory changes
• Identify control gaps and areas for improvement, recommending effective, pragmatic solutions
• Provide actionable insight on governance, credit risk exposure, and control effectiveness to inform strategic decision-making
• Foster cross-functional collaboration and build strong relationships with lending teams, underwriting teams, directors and Internal Audit to ensure findings are understood and acted upon
• Deliver clear, actionable reports tailored to diverse audiences (board, operational teams, external parties)

What you will need

• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• Extensive demonstrable experience in Corporate & Commercial credit risk, underwriting or credit assurance
• Strong knowledge of credit risk management frameworks
• Skilled in preparing and presenting detailed documentation for executive stakeholders and regulatory reviews
• Excellent ability to develop and apply an objective, risk-based approach to recommending effective, pragmatic solutions, ensuring alignment with the bank's risk appetite
• Exposure to a variety of business models, product types, customers, geographies, and distribution channels
• Ability to manage competing priorities and work independently under pressure

Benefits

• 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
• 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)
• Hybrid working opportunities built around your role and home life, wherever possible