Credit Partner - Asset Finance (Holborn or Guildford)

Metro Bank; Guildford; On-site; GBP 100,000 - 125,000; Full time

Job summary

A prominent financial institution in Guildford is seeking a Credit Partner for Asset Finance. This crucial role involves underwriting Asset Finance propositions and coaching colleagues to ensure high-quality service delivery. The ideal candidate will possess strong experience in lending to High Net Worth Individuals and a thorough understanding of Asset Finance lending. Competitive salary and a range of benefits, including healthcare and pension plans, are offered, alongside opportunities for career growth within the bank.

Benefits

Competitive salary

Discretionary annual bonus

Generous holiday allowance

Attractive pension scheme

Healthcare

Life assurance

Colleague discounts

Qualifications

• Strong experience in lending to High Net Worth Individuals for High Value Car Assets.
• Excellent knowledge of Asset Finance lending and relevant legal concepts.
• Excellent negotiation skills complemented with problem-solving ability.

Responsibilities

• Underwrite primarily Asset Finance propositions with a team of Credit Underwriters.
• Coach colleagues to deliver support to First Line of Defence colleagues.
• Ensure acceptable lending asset quality during customer portfolio management.

Skills

Lending to High Net Worth Individuals

Asset Finance lending

Stakeholder management

Negotiation skills

Commercial awareness

Job description

What you will do

As the Credit Partner – Asset Finance (AF) you will work as part of a team of Credit Underwriters to underwrite primarily Asset Finance propositions.

• Coach colleagues in their responsibilities to deliver support to First Line of Defence colleagues the Metro Bank way
• Work collegiately with senior management team members, particularly the Director of Asset Finance and their direct reports.
• Influence teams across Credit, and the wider Bank, coaching and developing less experienced colleagues
• Ensure workflows are managed efficiently to deliver timely decisions to customers and brokers
• Ensure acceptable lending asset quality is maintained when originating new customer exposures, and ongoing via individual and wider existing customer portfolio management activities, reacting appropriately to early warning signs. Ensure compliance with MetroBank’s relevant lending policies, standards & processes
• Maintain a positive, flexible, and pragmatic outlook in a pressured environment to help the bank achieve its growth

Objectives

• Inspire colleagues to lend the Metro Bank way, focusing on the ‘who’ element and having a deep understanding of repayment sources - as well as building on your own sectoral and product knowledge
• Operate with the responsibility of an individual personal Lending Authority. Present, analyse, and critique more complex lending propositions for review by higher authority holders – including the Head of Corporate and Commercial Credit and Credit Approval Committee
• Help to develop Credit Policy, Standards, and Procedures in a dynamic environment to enable the bank to support customers in a prudent way, including various Credit Risk based projects

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

• Strong experience of and expertise in lending to High Net Worth Individuals for High Value Car Assets
• Excellent knowledge of Asset Finance lending and general banking and finance – including relevant legal concepts and issues
• Excellent stakeholder management and collaboration skills
• Excellent negotiation skills complimented with strong problem-solving ability
• Wider commercial and economic knowledge and awareness
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

Our promise to you

• We believe in “one in, one up” at Metro Bank, growing our own and promoting from within. That is why we are looking for YOU! An AMAZEING colleague to move into this FANtastic new role!
• 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!)