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:

• Be the primary point of contact for customers within your portfolio and plan regular meetings with your customers; This includes discussing, identifying, and recommending (if applicable) any amendments to facilities
• Proactively manage risk within your portfolio by using Risk Factor daily to help identify risks and trends, and taking appropriate actions
• Carry out regular reviews in line with set expectations and work with credit partners both in invoice finance and wider bank credit and risk teams, to ensure all risk policies are adhered to
• Grow the Bank by working closely with the Business Development team to support the acquisition of new FANs and generate new business referrals by proactively promoting our products and services
• Actively support wider Bank and asset finance business through lead generation and take an active interest in the local professional market to open up new routes to market for your Business Development colleagues
• Grow your portfolio through income generation whilst charging customers fairly in line with our standard disbursement tariff
• Avoid customer losses due to poor credit management and work within the parameters of our credit policy and clearly defined standard operating process and exercise sound credit judgment when using your DLA
• Utilise your Financial Analysis Skills through an understanding of P&L, Balance Sheet and Cashflow as you manage some larger customer relationships

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:

• A good technical knowledge of the Invoice Finance industry and extensive experience of credit controlling and managing customer relationships
• An understanding of managing and structuring Asset Based Lending facilities at a mid-corporate level would be highly desirable
• Broad and up to date understanding of other areas of banking such as Credit and Financial Crime Policy and strong financial awareness with knowledge of wider bank products such as overdraft and senior debt solutions
• Experience of proactively identifying future business problems and solutions through an in-depth knowledge of your customers and their competitors
• Ability to exercise sound judgement and strong communication skills, as well as strong negotiation skills gained by successfully negotiating at senior level
• Ability to build and maintain strong internal networks, ensuring stakeholder buy in to support when making and presenting recommendations for consideration
• 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!

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!