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- Tasks: Manage a high-profile SME client portfolio and build strong relationships.
- Company: Join Lloyds Bank, a leader in transforming finance for good.
- Benefits: Enjoy a generous pension, performance bonuses, and 30 days' holiday.
- Other info: Diverse and inclusive workplace with excellent career development opportunities.
- Why this job: Make a real impact by supporting businesses and driving growth.
- Qualifications: 2+ years in Commercial Banking with strong relationship management skills.
The predicted salary is between 45000 - 55000 £ per year.
LOCATION(S): Cirencester or Gloucester
HOURS: Full-time, 35 hours per week
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.
What you'll be doing:
- You'll take end-to-end ownership of a high‑profile SME client portfolio in the Gloucestershire area, managing relationships with actively trading businesses typically turning over between £3m and £10m.
- This is a strategically important portfolio with strong growth potential, where you'll be accountable for portfolio management, income, lending, risk and relationship outcomes, focusing on keeping existing business, deepening client relationships and building long‑term client confidence.
- Acting as the face of Lloyds Bank, you'll develop strong relationship management capability by building trusted partnerships with existing and new SME clients across sectors such as professional services, manufacturing, wholesale, distribution, construction and hospitality.
- You'll take time to understand each client's business model, ambitions and challenges, proactively identifying opportunities to deliver Commercial Banking solutions including lending, working capital and cashflow facilities, payments, deposits and cards, ensuring every interaction adds clear customer value.
- A key expectation, alongside managing your portfolio, is that you'll play an active role in originating and winning new‑to‑bank business through relationship‑led business development, prospecting and strategic outreach.
- You'll build a strong internal and external network, working closely with Group Partners and specialist teams to bring the full breadth of the Bank to your clients and deliver tailored, joined‑up solutions.
- You'll also manage the credit and risk profile of your portfolio, undertaking credit assessments, preparing credit proposals and making risk‑aware recommendations in line with policy and appetite.
- As a trusted advisor, you'll support clients with wider risk considerations, including ESG priorities and their journey towards Net Zero, balancing strong commercial judgement with disciplined risk management in a region where high‑quality client relationships truly matter.
Why join us:
We're on an exciting journey to transform our Group and the way we're shaping finance for good. We're focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.
What we're looking for:
- At least 2 years' experience in Commercial or Corporate Banking, managing SME or trading‑business clients.
- A proven track record of originating and/or winning new business or playing a material role in deal execution within a competitive Commercial Banking environment.
- Strong portfolio and relationship management skills, with the ability to build trusted client relationships and influence customers and external partners.
- Solid credit and risk capability, including experience assessing credit proposals, preparing credit papers and making sound, policy‑aligned recommendations.
- Confident communication and negotiation skills, with a working understanding of commercial terms and lending documentation.
We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.
This is a place for you:
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we're committed to creating an environment in which everyone can thrive, learn and develop.
Benefits:
- A generous pension contribution of up to 15%
- An annual performance-related bonus
- Share schemes including free shares
- Benefits you can adapt to your lifestyle, such as discounted shopping
- 30 days' holiday, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
Relationship Manager - SME Commercial Banking in Cirencester employer: Lloyds Banking Group
Contact Detail:
Lloyds Banking Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Relationship Manager - SME Commercial Banking in Cirencester
✨Tip Number 1
Network like a pro! Get out there and connect with people in the industry. Attend local business events or join online forums where SMEs hang out. The more you engage, the better your chances of landing that Relationship Manager role.
✨Tip Number 2
Showcase your expertise! When you get the chance to chat with potential employers, highlight your experience in managing SME portfolios. Share specific examples of how you've built relationships and driven business growth—this will set you apart from the crowd.
✨Tip Number 3
Be proactive! Don’t wait for job openings to pop up. Reach out directly to companies you admire, like Lloyds Bank, and express your interest in working with them. A well-timed email can make all the difference!
✨Tip Number 4
Utilise our website! We’ve got loads of resources and tips to help you ace your job search. Plus, applying through our site gives you a better shot at getting noticed. So, don’t hesitate—check it out and apply today!
We think you need these skills to ace Relationship Manager - SME Commercial Banking in Cirencester
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 skills and any relevant experience in Commercial or Corporate Banking to catch our eye!
Craft a Compelling Cover Letter: Use your cover letter to tell us why you're the perfect fit for the Relationship Manager role. Share specific examples of how you've successfully managed SME clients and built strong relationships in the past.
Showcase Your Achievements: Don’t just list your responsibilities; showcase your achievements! Use numbers and specific outcomes to demonstrate how you’ve contributed to business growth and client satisfaction in previous roles.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Portfolio Inside Out
Before the interview, make sure you understand the types of SME clients you'll be managing. Research common challenges and opportunities in sectors like manufacturing and hospitality. This will help you demonstrate your knowledge and show how you can add value to their business.
✨Showcase Your Relationship Management Skills
Prepare examples from your past experience where you've successfully built and maintained client relationships. Highlight specific instances where your efforts led to new business or deepened existing partnerships. This will illustrate your ability to be the face of the bank and a trusted advisor.
✨Brush Up on Credit and Risk Assessment
Since managing the credit and risk profile is crucial, review key concepts related to credit proposals and risk management. Be ready to discuss how you've assessed credit risks in the past and how you would approach it in this role. This shows you're not just about sales but also about responsible banking.
✨Prepare for Scenario-Based Questions
Expect questions that ask how you'd handle specific situations with clients. Think about how you would identify opportunities for lending or cashflow solutions. Practising these scenarios will help you articulate your thought process and decision-making skills during the interview.