Credit Partner - Development Finance

Overview

In this role you will provide expert credit assessment and underwriting for development finance propositions, spanning commercial, owner-occupied and residential projects. You will collaborate across Real Estate Finance, Private Banking and Corporate & Commercial Banking to deliver timely, high-quality credit decisions and exceptional customer experiences. You will lead deal forums and early engagement to shape credit outcomes, while maintaining strong risk oversight. This role offers a meaningful chance to influence lending standards and support Metro Bank’s growth with prudent risk practices.

Pay / Benefits

• competitive salary
• discretionary annual bonus
• generous holiday allowance
• attractive pension scheme
• healthcare
• life assurance

Responsibilities

• Conduct expert credit assessments and underwriting for development finance propositions across commercial, owner-occupied and residential projects
• Collaborate with Real Estate Finance, Private Banking, Corporate & Commercial Banking and Credit teams to deliver timely, high-quality credit decisions
• Attend meetings/site visits with first-line colleagues and, as needed, liaise with legal and professional teams
• Exercise Delegated Lending Authority to assess, challenge and approve lending proposals and present complex cases to senior approvals
• Lead Early Engagement discussions and Deal Forums to shape credit outcomes from the outset
• Maintain portfolio and asset quality through robust credit risk management, annual reviews, monitoring, and timely risk responses
• Coach and develop colleagues across first and second lines of defense to promote prudent lending
• Contribute to the development and improvement of Credit Policies, Standards, and Procedures and risk initiatives
• Independently manage development finance workflows, provide portfolio reporting to stakeholders and regulatory teams
• Support wider Credit team priorities and adapt to evolving risk landscape

Key requirements

• Extensive Corporate & Commercial credit underwriting experience with specialist expertise in development finance and complex real estate lending
• Ability to structure and manage development finance transactions through the full lending lifecycle (delivery, risk management, legal documentation)
• Strong understanding of Corporate & Commercial lending, banking, finance and credit risk principles with knowledge of development-related legal concepts
• Deep knowledge of residential, commercial and mixed-use development projects across sectors and geographies
• Excellent leadership, stakeholder management and influencing skills; ability to coach and support across teams
• Strong analytical thinking, problem-solving, negotiation and decision-making with constructive challenge
• Up-to-date knowledge of lending markets, economic trends, and regulatory developments
• Proficiency in relevant banking systems and technology and ability to manage workflows and understand wider business impact
• Awareness of risks associated with the role and how they affect stakeholders in Metro Bank

• leadership
• stakeholder management
• influencing skills
• development finance underwriting
• complex real estate lending
• risk management and controls

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