At a Glance
- Tasks: Manage and grow a portfolio of Commercial/SME clients while ensuring exceptional customer outcomes.
- Company: Join a dynamic banking team in South London with a focus on collaboration.
- Benefits: Competitive salary, professional development support, and a vibrant office environment.
- Other info: Opportunity to coach junior staff and influence branch performance.
- Why this job: Make a real impact by driving commercial growth and building strong client relationships.
- Qualifications: 5+ years in banking, strong credit knowledge, and excellent communication skills.
The predicted salary is between 45000 - 50000 £ per year.
Location: South London (Fully Office-Based)
Salary: £45,000-£50,000 per annum
About the Role
We are seeking an experienced Relationship Manager to join our Branch Banking team. This role focuses on driving profitable growth by providing high-quality relationship management to Commercial and SME clients. You will own a designated portfolio, manage credit needs, identify new opportunities, and ensure exceptional customer outcomes. This is a key position for an ambitious banking professional who can balance portfolio growth with robust risk awareness, early warning identification, and strong adherence to regulatory standards.
Key Responsibilities
- Customer & Portfolio Management
- Manage and grow a portfolio of Commercial/SME clients.
- Conduct regular customer meetings, networking, and business development activities.
- Ensure all customer interactions follow TCF (Treating Customers Fairly) guidelines.
- Handle targeted account opening volumes and refer clients for Trade, FX, or Islamic banking products where appropriate.
- Commercial Growth
- Achieve asset and deposit growth targets for the branch.
- Prepare and negotiate customer credit proposals.
- Submit credit papers and account-opening documents to internal approval teams.
- Support the disbursement of lending in line with business objectives.
- Control & Compliance
- Manage credit renewals in accordance with policy and deadlines.
- Monitor compliance-related transactions and ensure Enhanced Due Diligence (EDD) is completed.
- Track excesses and Key Risk Indicators across all key accounts.
- Ensure branch SLAs are achieved for account opening and ongoing servicing.
- Team & Branch Support
- Coach and support junior RMs/RSOs to achieve KPI expectations.
- Assist in preparing MI, meeting materials, presentations, and business development reporting.
- Contribute to branch-related projects, planning, data analysis, and championing operational initiatives.
- Provide support to interns and new joiners where required.
- Regulatory Conduct
- Adhere to the FCA and PRA Conduct Rules at all times, demonstrating integrity, skill, diligence, and commitment to delivering good customer outcomes.
- Maintain compliance with the Certification Regime, conduct risk standards, and internal policy frameworks.
Experience & Requirements
- Minimum 5 years' experience in a Relationship Manager role within the banking sector (Commercial/SME preferred).
- Strong understanding of credit processes, risk management, and commercial banking products.
- Evidence of ongoing CPD and professional qualifications (or commitment to obtaining them).
- Demonstrated competence in:
- Relationship management & customer service
- Financial analysis & credit understanding
- Regulatory knowledge
- Staff development & coaching
- Excellent presentation, communication, and negotiation skills.
- Confident, proactive, and capable of managing a busy diary and diverse workload.
What We Offer
- Competitive salary of £45,000-£50,000
- Professional development and ongoing certification support
- A collaborative, office-based working environment in South London
- The opportunity to influence branch commercial performance and build strong corporate relationships
If you are a driven Relationship Manager with strong commercial expertise and a passion for exceptional client service, we'd love to hear from you. Apply today!
Relationship Manager - SME & Commercial in Southall employer: All The Top Bananas
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StudySmarter Expert Advice🤫
We think this is how you could land Relationship Manager - SME & Commercial in Southall
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like All The Top Bananas. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Relationship Manager - SME & Commercial in Southall
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to All The Top Bananas.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on All The Top Bananas's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at All The Top Bananas
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with All The Top Bananas.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at All The Top Bananas will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former All The Top Bananas employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
