Relationship Director, Mid Markets - Devon and Cornwall

Lloyds Banking Group; Exeter; Hybrid; GBP 90,000 - 110,000; Full time

Benefits offered by this job

Pension contribution up to 15%

Annual bonus

Share schemes

Discounted shopping

30 days holiday

Job summary

Lloyds Banking Group in Exeter or Plymouth is seeking a Relationship Director to lead a Mid Markets portfolio across Devon and Cornwall. You will originate new-to-bank opportunities, manage client relationships and structure debt solutions.

The role requires 5+ years in corporate banking or private equity, strong negotiation and credit skills, and a proven track record of growing client bases. It offers hybrid working, a generous benefits package and up to 15% pension.

Qualifications

• 5+ years of proven experience in a similar role within corporate banking, corporate finance or private equity.
• Strong communication skills with experience in building, creating, and maintaining relationships with clients and influential external partners.
• Proven credit experience - skilled at evaluating propositions and using that experience to make confident and effective commercial recommendations to the Credit team.
• Strong financial and numerical skills.
• Detailed understanding of legal documentation, together with the ability to effectively negotiate legal and commercial terms.
• Understanding and appreciation of the different types of risk in a lending environment and how to minimise such Risk.

Responsibilities

• Proactively originate new-to-bank opportunities, with a focus on debt transactions, leveraging both direct client outreach and a strong network of introducers.
• Build and maintain deep relationships with key business introducers, including private equity, debt advisers, accountants, and lawyers, to drive a sustainable pipeline.
• Understand client strategies and funding requirements to structure compelling, competitive debt solutions.
• Drive balance sheet growth through disciplined deployment of capital, increasing share of wallet with both new and existing clients.
• Lead negotiations on pricing, terms, and structure to deliver strong client outcomes aligned with risk appetite and return objectives.
• Handling and developing high profile client relationships, putting the client at the heart of what you do, adding customer value at every interaction and becoming a "trusted advisor".
• Handling the 'Risk' side of your client portfolio including supporting clients with developing ESG strategies and supporting their journey to Net Zero.
• Supporting the development of others in the team, whilst also investing in opportunities for your own personal development.

Skills

Relationship management

Credit assessment

Negotiation

Networking

Financial analysis

Job description

JOB TITLE: Relationship Director, Mid Markets - Devon and Cornwall

LOCATIONS: Exeter or Plymouth

SALARY: Starting from £100,105

HOURS: Full-Time

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

We're looking for a Relationship Director to support a Mid Markets portfolio of clients and prospects within Devon and Cornwall, typically businesses with a turnover of £50m-£500m. The Relationship Director will understand and provide solutions to all their customers' bespoke financial requirements including lending, deposits plus a range of other products and services.

We operate under a sector-led model, focusing on:

• Business and Professional Services
• Manufacturing, Wholesale and Consumer
• Technology, Media and Telecoms
• Healthcare

It's an exciting and wide-ranging segment spanning a variety of sectors and central to our purpose of Helping Britain Prosper.

You’ll help grow the portfolio through new-to-bank prospect origination and business development; this is a new role adding headcount to our team. So, whilst there might be a few existing clients moved into this portfolio, new business growth is key. We’re therefore looking for someone with a proven track record in growing their client base at a Mid Markets level in the UK Banking market.

This is a great opportunity for someone to join a strongly performing team. You’ll be a key part of our market presence, supporting high profile local clients and developing key business opportunities.

Your accountabilities will include:

• Proactively originate new-to-bank opportunities, with a focus on debt transactions, leveraging both direct client outreach and a strong network of introducers.
• Build and maintain deep relationships with key business introducers, including private equity, debt advisers, accountants, and lawyers, to drive a sustainable pipeline.
• Understand client strategies and funding requirements to structure compelling, competitive debt solutions.
• Drive balance sheet growth through disciplined deployment of capital, increasing share of wallet with both new and existing clients.
• Lead negotiations on pricing, terms, and structure to deliver strong client outcomes aligned with risk appetite and return objectives.
• Handling and developing high profile client relationships, putting the client at the heart of what you do, adding customer value at every interaction and becoming a "trusted advisor".
• Handling the 'Risk' side of your client portfolio including supporting clients with developing ESG strategies and supporting their journey to Net Zero.
• Supporting the development of others in the team, whilst also investing in opportunities for your own personal development.

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

• 5+years of proven experience in a similar role within corporate banking, corporate finance or private equity.
• Strong communication skills with experience in building, creating, and maintaining relationships with clients and influential external partners.
• Proven credit experience - skilled at evaluating propositions and using that experience to make confident and effective commercial recommendations to the Credit team.
• Strong financial and numerical skills.
• Detailed understanding of legal documentation, together with the ability to effectively negotiate legal and commercial terms.
• Understanding and appreciation of the different types of risk in a lending environment and how to minimise such Risk.

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 were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

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