Relationship Management - Commercial Bank - Graduate (opens in new window)

HSBC Holdings plc; Glasgow; Hybrid; GBP 26,000 - 38,000; Full time

Job summary

HSBC Holdings plc invites applications for a Graduate Programme in Relationship Management within Commercial Banking. Based in Glasgow, the role starts July 2027 and runs for 24 months, including two six-month placements in Product teams, followed by a 12-month Coverage placement.

You will build client relationships, learn financial solutions, and rotate through teams such as Legal, Credit and Risk, with structured training to prepare for a permanent client-facing role.

Qualifications

• Be available to work full-time from July 2027.
• Achieve or be on track to achieve a 2:1 undergraduate degree or international equivalent.
• Legally permitted to work in the UK for the full duration of the programme.
• Interest in client needs and financial solutions helps; no prior banking experience required.

Responsibilities

• analyse client and market data to identify trends
• support product design and pricing
• contribute to financial analysis and credit assessments
• work with risk, legal, operations and technology to support product delivery and controls

Skills

Relationship-building

Communication

Teamwork

Adaptability

Attention to detail

Education

2:1 Undergraduate degree

Job description

Relationship Management - Commercial Bank - Graduate

Location:
Glasgow, GB, G1 3LB

Start Date and Duration: Mon Jul 05, 2027; 24 months

Area of Interest: Relationship Management

Business Area: Commercial Bank

About the business area

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.

Eligibility Criteria

To be eligible, you must:

• Be available to work full‑time from July 2027
• 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
• Legally permitted to work in the UK for the full duration of the programme and beyond the end date, without requiring HSBC visa sponsorship

This particular programme does not satisfy the Home Office eligibility criteria for visa sponsorship. We therefore can only progress applications from candidates who can demonstrate that they are eligible to work in the UK without HSBC sponsorship for the full duration of, and beyond, the programme end date.

We cannot progress applications from candidates who apply with a student/graduate visa as you would not be eligible for sponsorship by HSBC when your current visa expires.You will need to confirm what visa you hold, if any, and its expiry date when you apply for us to verify your eligibility.