Relationship Manager - Business Banking

HSBC Group; Roe Green; Hybrid; GBP 42,000 - 62,000; Full time

Job summary

HSBC is expanding its Business Banking team in the UK and is seeking a proactive Relationship Manager to deliver end-to-end banking solutions to a portfolio of SME clients. You will manage sales, service, risk and operational delivery, working with internal groups to tailor credit and cash management offerings and build lasting client relationships.

This hybrid role is based in St Albans (Francis Bacon House) with regular travel to client sites.

Qualifications

• Knowledge of financial accounts and writing strong credit applications.
• Understanding of Financial Crime Risk policies.
• Ability to read and interpret financial statements and accounts.

Responsibilities

• Grow the portfolio sustainably by expanding client relationships across HSBC's SME network.
• Drive revenue growth by understanding customer needs and delivering needs-based solutions.
• Manage client visits, coordinate with internal teams, and ensure timely delivery of services and products.
• Collaborate with Group colleagues to tailor credit, cash management, and other banking solutions.
• Maintain awareness of client risk through due diligence and risk assessments.

Skills

Relationship management

Sales

Credit risk assessments

Financial crime risk

Banking systems knowledge

Tools

Browser Main Menu

Document Viewer

Excel

Word

Outlook

Job description

If you're looking for a career that will help you stand out, join HSBC, and fulfil your potential - whether you want a career that could take you to the top, or an exciting new direction, we offer opportunities, support and rewards that will take you further. We're one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions. Through Business Banking (BB) our global network offers comprehensive support and services to businesses in the SME market. From expanding overseas to managing the cash and trade flows of an established enterprise, the Business Banking team of Relationship Managers and Product Specialists provides a range of end‑to‑end solutions designed to help small businesses reach their potential. We are currently seeking a proactive and customer focused individual to join this team in the role of Relationship Manager. The Relationship Management role provides dedicated relationship management to a portfolio of customers with accountability for sales, service, risk and operational delivery. This role will have internal and external stakeholders, Internal stakeholders may include Sales, Product Development, Risk & Compliance teams. Your responsibilities will include:

• Focus on growing the business sustainably, by identifying opportunities to expand a portfolio and broadening client relationships by leveraging HSBC's extensive network
• Drive revenue growth through understanding customer needs and by adopting a needs-based approach which engages clients and increases new business
• Effectively manage work and support resources to increase quality and time of client visits opportunities
• Collaborate with Group colleagues to deliver appropriate needs-based solutions for customers
• Build a strong understanding of the client's business and industry to promote insights, enrich client conversations and deliver fair outcomes
• Deepen understanding of the client through pro-active credit risk assessments and customer due diligence reviews
• Confidently manage financial crime risk throughout the client lifecycle by identifying, assessing, accepting, monitoring, escalating and mitigating risk
• Ensure adherence to all applicable operational risk HSBC Standards and policies, reporting any breaches in accordance with local procedures
• Keep abreast of developments, products and offerings from HSBC, competitors and market changes
• Ensure prompt escalation or sharing of relevant information relating to the client, so that members of the client coverage team can form and maintain a comprehensive understanding of the risks to HSBC by the client
• Relationship Management role holders will be required to acquire knowledge of a product area and in some geographies may need to hold specific certificates or need membership of a regulatory body.
• Demonstration of HSBC UK principles of treating customers fairly., Understanding of Bank's systems - including Browser Main Menu, Document Viewer, Excel, Word, Outlook
• Understanding of Business types and structures
• Product knowledge of non-complex and complex commercial products
• Understanding and experience in reading and interpreting of financial accounts and writing strong credit applications.
• Adherence to all applicable operational risk HSBC Standards and policies, reporting any breaches in accordance with local procedures
• Understanding of Financial Crime Risk policies
• Understanding of HSBC credit risk appetite as it relates to the segment

This is a hybrid role where the base location will be St Albans, Francis Bacon House. There will be regular travel required for meetings and collaboration.

Opening up a world of opportunity. Being open to different points of view is important for our business and the communities we serve.

At HSBC, we're dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, socio-economic background or age.

We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.

We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.