Corporate & Commercial Credit Risk Specialist - Risk Assurance

Metro Bank; United Kingdom; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A prominent banking institution is looking for a Corporate & Commercial Credit Risk Specialist to enhance their credit risk assurance activities. The ideal candidate will have substantial experience in credit risk, be able to manage complex priorities, and develop strategic insights. The role offers a competitive salary along with a range of benefits including hybrid work opportunities, making it suitable for proactive individuals who thrive in a fast-paced environment.

Benefits

Competitive salary

Discretionary annual bonus

Generous holiday allowance

Attractive pension scheme

Healthcare

Life assurance

Colleague discounts

Qualifications

• Extensive demonstrable experience in Corporate & Commercial credit risk.
• Strong knowledge of credit risk management frameworks.
• Ability to manage competing priorities and work independently under pressure.

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 areas for improvement.

Skills

Corporate & Commercial credit risk

Credit assurance

Analytical skills

Risk-based decision making

Job description

Overview

Corporate & Commercial Credit Risk Specialist - Risk Assurance

Team Risk and Credit

Location Holborn Office

County Central London

Ref # 23796

Closing Date 03-Oct-2025

We have been awarded the "Most Loved Workplace"! At Metro Bank, people come first - our culture is all about bringing the best out in our colleagues, and making sure everyone feels valued, respected, seen and included. We strongly believe in a diverse and inclusive workplace and to find the very best person for the job, we always look across a wide range of diverse communities.

What you will do

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.

• 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)

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
• 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

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.

Important Footnote

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!

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