Commercial Lending Relationship Manager

Northreach; Cardiff; Hybrid; GBP 50,000 - 75,000; Full time

Benefits offered by this job

£5,000 annual car allowance

Hybrid and flexible working

Job summary

Northreach, based in South Wales, seeks a Commercial Lending Relationship Manager to drive new business and manage key client relationships in property-backed lending. You will oversee opportunities from initial enquiry through credit approval to completion, balancing sales with risk assessment.

We’re looking for a proactive, relationship-led banker with three years’ experience in commercial lending, strong credit understanding and excellent negotiation skills.

Qualifications

• At least three years’ experience within commercial lending, property finance or related area.
• Knowledge of commercial property investment and development lending.
• Experience developing relationships with borrowers, brokers or professional introducers.
• A proven ability to generate and convert new business opportunities.
• Experience reviewing financial information and assessing lending proposals.
• An understanding of credit underwriting and lending documentation.
• Experience preparing proposals or credit papers for internal approval.
• Strong commercial, analytical and numerical capabilities.
• Confident communication, presentation and negotiation skills.
• The ability to manage multiple transactions and stakeholders effectively.
• A proactive, self-motivated and relationship-led approach.
• The ability to work effectively in a flexible and agile environment.

Responsibilities

• Identify and develop new commercial lending opportunities.
• Build long-term relationships with borrowers, brokers and professional introducers.
• Manage and grow a portfolio of commercial lending clients.
• Assess potential lending opportunities, including financial information, credit profiles and underlying security.
• Structure property-backed lending facilities within agreed policies and risk parameters.
• Prepare clear and detailed proposals for internal credit approval.
• Present and support lending opportunities throughout the decision-making process.
• Negotiate terms and progress transactions from initial enquiry through to completion.
• Review lending documentation to ensure accuracy and completeness.
• Maintain a strong understanding of market conditions and competitor activity.
• Monitor portfolio performance and identify potential risks or growth opportunities.
• Collaborate with credit, operations and other internal teams.
• Provide a high standard of service throughout the client journey.
• Contribute to the continued development of lending products, processes and commercial strategy.

Skills

Relationship management

Commercial lending

Credit underwriting

Negotiation

Financial analysis

Job description

Location: South Wales / Hybrid 1 day a week

The opportunity

Northreach is partnering with an established financial services business to appoint a Commercial Lending Relationship Manager.

This is a relationship-led commercial role focused on generating new business, managing key client relationships and supporting property-backed lending transactions.

You will manage opportunities throughout the lending lifecycle—from initial enquiry and financial assessment through to credit approval, documentation and completion. This role would suit someone who combines strong business-development skills with a sound understanding of commercial lending, credit and risk.

What you’ll be doing

• Identify and develop new commercial lending opportunities.
• Build long-term relationships with borrowers, brokers and professional introducers.
• Manage and grow a portfolio of commercial lending clients.
• Assess potential lending opportunities, including financial information, credit profiles and underlying security.
• Structure property-backed lending facilities within agreed policies and risk parameters.
• Prepare clear and detailed proposals for internal credit approval.
• Present and support lending opportunities throughout the decision-making process.
• Negotiate terms and progress transactions from initial enquiry through to completion.
• Review lending documentation to ensure accuracy and completeness.
• Maintain a strong understanding of market conditions and competitor activity.
• Monitor portfolio performance and identify potential risks or growth opportunities.
• Collaborate with credit, operations and other internal teams.
• Provide a high standard of service throughout the client journey.
• Contribute to the continued development of lending products, processes and commercial strategy.

About you

You will ideally bring:

• At least three years’ experience within commercial lending, property finance or a related area.
• Knowledge of commercial property investment and development lending.
• Experience developing relationships with borrowers, brokers or professional introducers.
• A proven ability to generate and convert new business opportunities.
• Experience reviewing financial information and assessing lending proposals.
• An understanding of credit underwriting and lending documentation.
• Experience preparing proposals or credit papers for internal approval.
• Strong commercial, analytical and numerical capabilities.
• Confident communication, presentation and negotiation skills.
• The ability to manage multiple transactions and stakeholders effectively.
• A proactive, self-motivated and relationship-led approach.
• The ability to work effectively in a flexible and agile environment.

Nice to have

• Specialist property lending.
• Residential property development finance.
• Managing an existing commercial loan portfolio.
• Structuring more complex property-backed lending facilities.
• An established network of brokers, property investors, developers or other professional introducers.
• Experience working within a regulated financial services environment.

You do not need experience across every area listed. The business is particularly interested in commercially driven relationship managers who can develop new opportunities while maintaining a considered approach to credit, risk and customer service.

What’s on offer

• £5,000 annual car allowance.
• Hybrid and flexible working.1 day a week
• The opportunity to manage and develop a commercial lending portfolio.
• A visible role with direct involvement in the organisation’s continued growth.
• The autonomy to build strong relationships across the commercial property market.