Relationship Management - Commercial Bank - Graduate

HSBC Group; Reading; On-site; GBP 32,000 - 36,000; Full time

Job summary

HSBC Group is offering a structured Commercial Banking programme in Reading. You will undertake two six-month placements in Product teams to learn how financial solutions are designed, priced and delivered, followed by a 12-month Coverage placement to support client relationships.

The programme emphasizes learning across product, credit and risk, with rotations through Legal, Risk and Operations to build practical banking knowledge and strong client-facing capabilities.

Qualifications

• 2:1 undergraduate degree (or international equivalent) or higher is expected.
• Studies expected to be completed by July 2027.
• Fluent in English.
• Legally permitted to work in the UK for the full duration of the programme, without HSBC visa sponsorship.
• Provide your final undergraduate degree result using your university grading system.

Responsibilities

• Analyze client and market data to identify trends and opportunities.
• Support product design and pricing discussions.
• Contribute to financial analysis and credit assessments.
• Collaborate with risk, legal and operations to support product delivery and controls.
• Understand client objectives and coordinate cross-functional expertise to balance needs with commercial returns.

Skills

English fluency

Right to work in UK

Education

2:1 Undergraduate degree or international equivalent

Studies completed by July 2027

Job description

Commercial Banking is our business-to-business offering, helping businesses of all sizes to grow - from small enterprises to large multinationals. We provide expert advice and essential services dependent on business needs. These could include trade finance, global payments, multi-currency accounts, commercial cards and insurance, alongside many others. Who you are You're someone who enjoys building trusted relationships, supporting clients and working with others to solve problems. You'll thrive if you're curious, proactive and comfortable in a fast-paced environment where detail matters. You'll need strong communication skills, relationship-building ability, teamwork, adaptability, attention to detail and the confidence to take ownership of your work. An interest in client needs, financial solutions and working across teams such as Legal, Credit and Risk will help you succeed. You don't need prior banking experience or deep product knowledge before you join - we'll help you build that through structured training and rotations. What matters most is your mindset, your willingness to learn and your ability to connect with people. What you'll do You'll start your programme with two six-month placements in Product teams, building a strong understanding of the financial solutions that help businesses operate, grow and manage risk. You could analyse client and market data to identify trends, support product design and pricing, contribute to financial analysis and credit assessments, or work with colleagues in risk, legal, operations and technology to support product delivery and maintain effective controls. You'll then take these foundations into a 12-month Coverage placement, using your product, credit and risk knowledge to support client relationships. You'll help understand client objectives, identify opportunities, coordinate specialist expertise and balance client needs with commercial returns and risk. It's a structured path from understanding how solutions work to helping build trusted, long-term client partnerships. What you'll learn You'll build a practical understanding of how Commercial Banking supports businesses, from designing and delivering financial solutions to managing client relationships. You'll learn how products are structured, priced and developed, while deepening your knowledge of financial analysis, credit risk, data, commercial returns and the controls that support sound decision-making. As you progress, you'll apply these foundations to understand client objectives, identify opportunities and coordinate the right expertise. By the end, you'll have a strong grounding in Commercial Banking products, a clearer view of how we support clients and the commercial awareness, relationship-management skills and confidence to move into a permanent client-facing role. Where you'll work You'll work in Commercial Banking, as part of a relationship-led team that supports business clients through close partnership and joined-up expertise. You'll be surrounded by colleagues across areas like Credit, Risk and Legal, giving you a broad view of how different functions come together around client needs. It's a collaborative, professional environment where teamwork, trust and communication matter. Expect a fast-moving office culture with strong support from colleagues and exposure to the wider commercial banking network.

• Have achieved, or be on track to achieve, a 2:1 Undergraduate degree classification or above (or an international equivalent)
• Will have completed studies by July 2027
• Be fluent in English
• Legally permitted to work in the UK for the full duration of the programme and beyond the end date, without requiring HSBC visa sponsorship
• Please provide your achieved or expected final undergraduate degree result using the grading system used by your university (e.g. 2:1, First Class, GPA 3.5/4.0, 75% or local equivalent).