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For Companies At a Glance
- Tasks: Manage and grow relationships with Commercial and SME clients while driving profitable growth.
- Company: Dynamic banking branch 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 credit knowledge, and excellent communication skills.
- Other info: Opportunity for career growth and to coach junior team members.
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.
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 in Southall employer: LJ Recruitment
Contact Detail:
LJ Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Relationship Manager - SME & Commercial in Southall
✨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 relationships you build, the better your chances of landing that Relationship Manager role.
✨Show Off Your Expertise
When you get the chance to chat with hiring managers or during interviews, make sure to highlight your experience in managing portfolios and understanding credit processes. Share specific examples of how you've driven growth and delivered exceptional customer outcomes.
✨Be Prepared for Questions
Think about the key responsibilities listed in the job description and prepare answers that showcase your skills in those areas. Be ready to discuss how you handle compliance, risk management, and coaching junior staff—these are big deals in this role!
✨Apply Through Our Website
Don't forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you're serious about joining our team and contributing to our branch's success.
We think you need these skills to ace Relationship Manager - SME & Commercial in Southall
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Relationship Manager. Highlight your experience in managing Commercial and SME clients, and don’t forget to showcase your understanding of credit processes and risk management.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to tell us why you’re the perfect fit for this role. Mention specific achievements that demonstrate your ability to drive profitable growth and provide exceptional customer outcomes.
Showcase Your Skills: We want to see your skills in action! Be sure to include examples of your relationship management, financial analysis, and coaching abilities. This will help us understand how you can contribute to our team and support junior RMs.
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. We can’t wait to see what you bring to the table!
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 identify new opportunities.
✨Demonstrate Your Risk Awareness
Since this role requires a strong focus on risk management, prepare examples from your past experience where you successfully identified risks and implemented solutions. Show that you can balance growth with compliance and regulatory standards.
✨Showcase Your Relationship Management Skills
Be prepared to talk about your approach to building and maintaining client relationships. Share specific examples of how you've conducted customer meetings or networking activities that led to successful outcomes.
✨Prepare for Technical Questions
Brush up on your knowledge of credit processes and commercial banking products. Expect questions about financial analysis and credit proposals, so have some examples ready to demonstrate your expertise in these areas.
