Credit Partner - Asset Finance (Holborn or Guildford)

Credit Partner - Asset Finance (Holborn or Guildford)

Team Risk and Credit

Location Guildford Office

County Surrey

Ref # 24011

Closing Date 31-Dec-2025

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.

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 Metro Bank'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!

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!

#LI-Loveyourjobatlast #LI-Hybrid
#LI-REMOTE

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