Relationship Manager - SME Commercial Banking

TL;DR

Relationship Manager - SME Commercial Banking: Take end-to-end ownership of a high-profile SME client portfolio in London handling actively trading businesses turning over £3m-£10m with an accent on portfolio management, income, lending, risk and relationship outcomes. Focus on deepening client relationships, originating and winning new-to-bank business, and managing credit and risk profiles including assessments and proposals.

Location: London (Hybrid: at least two days per week or 40% of time in office)

Company

We're rebooting an icon and building the future of finance.

What you will do

• Manage end-to-end ownership of SME client portfolio across sectors like professional services, manufacturing, wholesale, distribution, construction and hospitality.
• Build trusted partnerships, understand client business models and deliver commercial banking solutions including lending, working capital, cashflow facilities, payments, deposits and cards.
• Originate and win new-to-bank business through prospecting, strategic outreach and networking with internal partners and specialists.
• Manage credit and risk profile: undertake assessments, prepare proposals and make risk-aware recommendations aligned with policy.
• Support clients with ESG priorities and Net Zero journey, balancing commercial judgement with disciplined risk management.

Requirements

• At least 2 years’ experience in Commercial or Corporate Banking managing SME or trading-business clients
• Proven track record of originating and/or winning new business or deal execution in Commercial Banking.
• Strong portfolio and relationship management skills to build trusted client relationships.
• Solid credit and risk capability: assessing proposals, preparing credit papers and policy-aligned recommendations.
• Confident communication, negotiation skills and understanding of commercial terms and lending documentation.

Culture & Benefits

• Hybrid working with flexibility and adjustments for disabilities.
• Generous pension up to 15%, annual performance bonus, share schemes including free shares.
• 30 days’ holiday plus bank holidays, discounted shopping, wellbeing initiatives and parental leave.
• Commitment to diversity, equity and inclusion for customers, colleagues and communities.