Credit Analyst – Asset Finance – Guildford

Location: Guildford Office

County: Surrey

Ref #: 24550

Closing Date: 23-Mar-2026

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:

• The focal part of your day-to-day role is to consider new business applications against your delegated lending authority; Where applications fall outside your authority you will need to prepare and write credit applications for underwriting by the Credit Team
• Enhance the BDDs and BDMs relationships with their brokers; gather additional information if you think it supports a case and liaise with them when we cannot support, ensuring that the broker understands why
• Gather information from the customer or broker; assess, analyse and interpret financial information such as financial statements, management accounts, profit and loss statements
• Have awareness of TCF (Treating Customers Fairly) at all times
• Discuss individual cases with the credit team and the ability to put a strong reasoning to support a case if merited
• Prepare and submit annual reviews for consideration by the credit team

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: 

• Experience in a similar role in another organization with knowledge of commercial lending and SME markets
• Credit, analytical, and numerical skills
• Excellent time management skills are of the essence as you may be working under some time constraints and need to be able to multi-task
• Relationship management skills
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

 Our promise to you…

• 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!