Corporate Relationship Manager

Metro Bank; West of England; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Discretionary annual bonus

Generous holiday allowance

Pension scheme

Healthcare

Life assurance

Colleague discounts

Hybrid working

Job summary

Metro Bank is seeking an experienced Corporate Banking professional to manage complex relationships and drive lending decisions for mid-to-large SME customers. You will analyze financial statements, assess risk, and coordinate with Credit, Operations and Risk teams to deliver strong outcomes.

The role rewards strong relationship builders with a discretionary annual bonus, a comprehensive benefits package and the option for hybrid working around your role and home life.

Qualifications

• Minimum 3 years in Commercial or Corporate Banking.
• Experience with lending to large SMEs and Mid-Corporate.
• Ability to interpret financial statements, management accounts, P&L and cash flow.

Responsibilities

• Manage complex corporate relationships in line with Metro Bank objectives.
• Assess financial info and support lending decisions.
• Evaluate lending opportunities and prepare credit proposals.
• Oversee ongoing management of customer facilities, including reviews and covenant testing.
• Collaborate with Credit, Lending & Securities, and Risk teams to deliver the best outcomes.
• Develop relationships with customers and intermediaries to grow the Corporate Banking portfolio.
• Act with integrity and uphold Metro Bank values in all interactions.
• Manage risk including Credit, Operational, Regulatory and Financial Crime risk.

Skills

Relationship management

Credit underwriting

Credit writing

Financial analysis

Commercial lending

Financial crime compliance

Risk awareness

Industry knowledge

Communication skills

Teamwork

Education

Finance or Banking degree (desirable)

Job description

• You will work closely with Corporate Banking Directors and Corporate Banking Managers to manage complex corporate relationships, ensuring customer, risk and commercial objectives are achieved.
• You will gather, assess and interpret financial information, including financial statements, management accounts, profit and loss statements and cash flow information to support relationship management and lending activities.
• You will evaluate lending opportunities, prepare credit proposals and undertake robust financial analysis to support quality lending decisions for Corporate Banking customers.
• You will support the ongoing management of customer facilities, including annual reviews, covenant testing, conditions subsequent and customer due diligence requirements.
• You will work closely with Credit, Lending & Securities, Lending Operations, Financial Crime Risk & Controls and Regional Banking teams to deliver the best outcomes for customers.
• You will develop and maintain influential relationships with customers, intermediaries and professional contacts, helping to strengthen Metro Bank's presence and reputation in the market.
• You will identify opportunities to deepen customer relationships and support the growth of the Corporate Banking portfolio.
• You will act with integrity at all times, championing Metro Bank's values and setting the standard when working with customers, intermediaries and colleagues.
• You will manage all aspects of risk within your role, including Credit, Operational, Regulatory and Financial Crime risk.

• 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.

  A minimum of three years' experience within Commercial or Corporate Banking, preferably in a role with similar responsibilities.

• Outstanding relationship management skills, with experience of building credibility and developing relationships with customers, colleagues and stakeholders at different levels.
• Excellent credit underwriting skills, with a track record of understanding large SMEs and Mid-Corporate customers.
• Experience of credit writing, financial analysis and report writing, with the ability to interpret financial statements, management accounts, profit and loss statements and cash flow information.
• An in-depth understanding of the commercial lending process, from start to completion, and the ongoing management of customer facilities.
• Strong knowledge of Financial Crime and Anti-Money Laundering requirements, as well as Treating Customers Fairly and conduct expectations.
• Strong operational and credit risk awareness, with the ability to make decisions based on insight and knowledge.
• Good knowledge of different industries and sectors, including how they perform financially and structurally.
• Excellent communication, teamwork and organisational skills, with the ability to manage multiple responsibilities and prioritise effectively in a fast-paced environment.
• A passion for delivering AMAZEING customer service, creating FANS and supporting our Corporate customers and their banking requirements.

• A Finance or Banking-related degree or relevant professional qualification would be helpful but is not essential. You will be expected to work towards the Associateship of the Chartered Institute of Bankers or an equivalent qualification.

  At Metro Bank, we believe the best banking experience starts with people who genuinely care. We're not just delivering banking services - we're building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long-standing relationships. 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.

• 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 range of colleague discounts!
• We will give you the training and support to succeed in your role and plenty of opportunities to progress your career, with around 40% of our recruitment coming 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.