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For Companies At a Glance
- Tasks: Manage and grow relationships with Commercial and SME clients while driving profitable growth.
- Company: Join a dynamic banking team in South London focused on client success.
- Benefits: Competitive salary, professional development, and a collaborative office environment.
- Why this job: Make a real impact by influencing branch performance and building strong corporate relationships.
- Qualifications: 5+ years in banking, strong relationship management, and credit understanding required.
- Other info: Opportunity for career growth and to coach junior team members.
The predicted salary is between 39000 - 52000 £ 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
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 would love to hear from you. Apply today!
Relationship Manager - SME & Commercial employer: LJ Recruitment
Contact Detail:
LJ Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Relationship Manager - SME & Commercial
✨Network Like a Pro
Get out there and meet people! Attend industry events, join local business groups, and connect with potential clients on LinkedIn. The more you network, the more opportunities you'll uncover.
✨Show Off Your Expertise
When you get the chance to chat with potential employers or clients, don’t hold back! Share your insights on credit processes and risk management. This will show them you know your stuff and can add value to their team.
✨Follow Up Like a Boss
After meetings or networking events, always follow up with a quick email. Thank them for their time and reiterate your interest in working together. It keeps you top of mind and shows your commitment.
✨Apply Through Our Website
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take that extra step to connect with us directly.
We think you need these skills to ace Relationship Manager - SME & Commercial
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experience mentioned in the job description. Highlight your relationship management experience, especially in Commercial and SME banking, to show us you’re the right fit for the role.
Craft a Compelling Cover Letter: Use your cover letter to tell us why you’re passionate about this position. Share specific examples of how you've driven growth and managed portfolios in the past, and don’t forget to mention your commitment to compliance and customer outcomes.
Showcase Your Achievements: Quantify your successes! Whether it’s achieving asset growth targets or managing credit proposals, use numbers to demonstrate your impact. This helps us see the value you can bring to our team.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on joining our team!
How to prepare for a job interview at LJ Recruitment
✨Know Your Portfolio Inside Out
Before the interview, make sure you thoroughly understand the types of Commercial and SME clients you’ll be managing. Be ready to discuss how you would approach growing a portfolio and what strategies you’d use to ensure exceptional customer outcomes.
✨Demonstrate Your Risk Awareness
Since this role requires robust risk management, prepare examples that showcase your ability to identify early warning signs and manage credit needs effectively. Highlight any past experiences where you successfully navigated compliance challenges or improved risk processes.
✨Showcase Your Relationship Management Skills
Be prepared to talk about your experience in building and maintaining client relationships. Use specific examples to illustrate how you’ve conducted customer meetings, networked, and developed business opportunities in previous roles.
✨Prepare for Regulatory Questions
Given the importance of adhering to FCA and PRA Conduct Rules, brush up on your regulatory knowledge. Be ready to discuss how you ensure compliance in your work and how you’ve handled situations involving regulatory challenges in the past.
