Lead Commercial Banking Manager

Metro Bank; Greater London; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading UK bank is looking for a team leader in commercial banking to manage a team of Commercial Banking Managers and ensure the effective delivery of banking services. The role requires a strong background in commercial lending, risk management, and a commitment to building customer relationships. Candidates should possess excellent communication skills and a proven track record in managing commercial portfolios. The bank offers a competitive salary, discretionary bonuses, and various benefits including generous holidays and a strong pension scheme.

Benefits

Competitive salary

Discretionary bonuses

Generous holiday allowance

Attractive pension scheme

Healthcare

Life assurance

Colleague discounts

Qualifications

• Proven track record in commercial banking and portfolio management.
• Experience in making effective lending decisions.
• Strong commercial awareness and understanding of financial products.

Responsibilities

• Line manage a team of Commercial Banking Managers.
• Monitor activity of commercial portfolios.
• Develop and maintain relationships with customers.
• Support delivery of banking growth objectives.

Skills

Commercial banking knowledge

Risk awareness

Communication skills

Teamwork skills

Job description

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. You will be reporting into the Head of Commercial Portfolio Banking, you will be a key player in the future growth of Metro Bank by line managing a team Commercial Banking Managers & Commercial Relationship Managers monitoring and managing the activity and management of these portfolios to support delivering growth in line with the banks objectives. Also managing a small portfolio of our Commercial Customers with value-added Relationship Management. What you will do: Line managing and leading a team of Commercial Banking Managers & Commercial Relationship Managers to ensure that contact strategy for Customers, Professionals & other Key Business Introducers(KBIs) is followed. As well as team and personal delivery of the following:

• Lending and Deposits in commercial space
• Ensure that all credit, financial crime and operational risks task are managed and completed in a timely fashion across the team.
• Support the timely completion of Annual renewals and Credit Applications.
• Process all EDD and High Risk ODDs and Requests for Information within the allocated timeframe, whilst also managing all low and medium risk ODDs relating to the team within the renewal dates.
• Process all Covenants and Conditions Subsequent as they fall due and escalates appropriately with Credit if the covenants are not going to be met.
• CRGA to be maintained across team portfolio and updated appropriately with each Credit Application submission and to reflect the guidance provided on CRGA completion, in addition to ensuring SIC Code integrity to be maintained across team portfolio.
• You will gather information from the customer; assess, analyse and interpret financial information such as financial statements, management accounts, profit and loss statements.
• Develop and maintain key relationships with other departments such as Credit, Lending & Securities, Lending Operations, Financial Crime Risk & Controls and Regional Teams.
• Act with integrity at all times and set the tone as an advocate of Metro Bank, so as to be considered a role model for Regional Commercial Banking and Metro Bank when dealing with customers, intermediaries and colleagues.
• Support delivery of banks growth objectives, and deputise for Head of Portfolio Delivery when required.
  Preferable line management or deputy exp, alternatively strong commercial banker who would like to line manage
• Experience building deep relationships with customers by understanding and supporting them with all their banking requirements, through exceeding expectations.
• Strong risk awareness across both operational and credit environment.
• Communication and team-working skills are essential.
• You will be able to demonstrate a successful track record in commercial banking and competence within all aspects of commercial lending and portfolio management, with experience of making effective lending decisions and an understanding of transactions that meet Metro Bank's lending appetite.
• Commercial banking and lending with commercial awareness, and a detailed knowledge of the products we offer including Asset & Invoice Finance, cash management, and all other types of retail and commercial lending. You should have a genuine interest and thirst for knowledge when it comes to businesses and the economy.
• You will have a highly developed appreciation and knowledge for risk covering both Credit, Operational and Financial Crime, developing this knowledge within your team. You will be able to demonstrate both a track record and experience of managing these risks successfully.
  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!