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For Companies At a Glance
- Tasks: Manage relationships with SME clients, driving growth and delivering tailored banking solutions.
- Company: Join Lloyds Bank, a leader in transforming finance for good.
- Benefits: Enjoy a generous pension, performance bonuses, 30 days holiday, and flexible benefits.
- Other info: Diverse and inclusive workplace with excellent career development opportunities.
- Why this job: Be the trusted advisor for businesses, making a real impact in your community.
- Qualifications: 2+ years in Commercial Banking with strong relationship management skills.
The predicted salary is between 45000 - 55000 £ per year.
LOCATION(S): Plymouth or Truro
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.
Responsibilities
- You'll take end-to-end ownership of a high‑profile SME client portfolio in the Plymouth and East Cornwall 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.
We also offer a wide-ranging benefits package, which includes:
- 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 Truro 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 Truro
✨Tip Number 1
Network like a pro! Get out there and connect with people in the industry. Attend local business events, join relevant online forums, or even hit up LinkedIn to find connections in SME banking. The more people you know, the better your chances of landing that dream job!
✨Tip Number 2
Show off your expertise! When you get the chance to chat with potential employers, make sure to highlight your experience in managing SME portfolios and your success in building client relationships. Share specific examples that demonstrate your skills and how you can add value to their team.
✨Tip Number 3
Be proactive! Don’t just wait for job openings to pop up. Reach out to companies you admire, like Lloyds Bank, and express your interest in working with them. A well-timed email or message can set you apart from the crowd and show your enthusiasm for the role.
✨Tip Number 4
Apply through our website! We want to see your application come through directly. It shows you're serious about joining us and makes it easier for us to keep track of your application. Plus, you’ll be one step closer to becoming part of our exciting journey in transforming finance for good!
We think you need these skills to ace Relationship Manager - SME Commercial Banking in Truro
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Relationship Manager in SME Commercial Banking. Highlight your experience with managing client portfolios and any successes you've had in building strong relationships with businesses. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to tell us why you're passionate about this role and how your skills align with our needs. Share specific examples of how you've successfully managed relationships or originated new business in the past.
Showcase Your Communication Skills: As a Relationship Manager, communication is key. In your application, demonstrate your confident communication style. Whether it's through your CV, cover letter, or any additional documents, make sure we can see your ability to engage and influence clients effectively.
Apply Through Our Website: We encourage you to apply directly through our website for a smoother process. This way, you can ensure your application reaches the right people and you’ll be kept in the loop about your progress. Plus, it shows us you're keen on joining our team!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Portfolio Inside Out
Before the interview, make sure you thoroughly understand the SME client portfolio you'll be managing. Research the types of businesses in the Plymouth and East Cornwall area, their challenges, and how your skills can help them grow. This will show your potential employer that you're proactive and ready to hit the ground running.
✨Demonstrate Relationship Management Skills
Be prepared to discuss your past experiences in building and maintaining client relationships. Use specific examples to illustrate how you've deepened client trust and added value in previous roles. This is crucial for a Relationship Manager position, so highlight your ability to connect with clients across various sectors.
✨Showcase Your Credit and Risk Knowledge
Brush up on your understanding of credit assessments and risk management. Be ready to explain how you've handled credit proposals in the past and how you ensure compliance with policies. This will demonstrate your capability to manage the credit and risk profile of your portfolio effectively.
✨Prepare for Scenario-Based Questions
Expect questions that ask how you would handle specific situations, such as winning new business or addressing a client's concerns. Think through potential scenarios related to SME banking and prepare your responses. This will help you showcase your problem-solving skills and strategic thinking during the interview.