Relationship Manager - Business Banking

Hsbc Global Services Limited; St Albans; Hybrid; GBP 45,000 - 60,000; Full time

Job summary

HSBC is seeking a proactive Relationship Manager for Business Banking based in St Albans. You will manage a portfolio of SME clients, driving revenue, providing tailored financial solutions, and maintaining strong relationships.

The role requires collaboration with internal teams, risk management, and compliance across client engagements. You will engage with customers to identify needs, expand relationships, and deliver high-quality service.

Qualifications

• Experience in Business/Corporate Banking or Financial Services
• Relationship management or client management experience with a focus on outstanding customer service
• Business development skills with track record of expanding accounts
• Commercial lending experience
• Excellent written and verbal communication
• Strong understanding of risk management
• Full driving licence to attend meetings in St Albans and surrounding areas

Responsibilities

• Grow the business sustainably by expanding the portfolio and leveraging HSBC's network
• Drive revenue through needs-based solutions and client engagement
• Manage work and resources to increase quality and client visit opportunities
• Collaborate with Group colleagues to deliver suitable solutions
• Understand client business and industry to provide insights and fair outcomes
• Perform credit risk assessments and due diligence
• Manage financial crime risk throughout the client lifecycle
• Adhere to HSBC standards and report breaches per local procedures
• Stay updated on HSBC products and market changes
• Escalate information to maintain a clear client risk profile
• Acquire knowledge of a product area and hold necessary regulatory certificates if applicable
• Demonstrate HSBC's Treating Customers Fairly principles

Skills

Relationship management

Business banking

Financial services

Business development

Commercial lending

Communication skills

Risk management

Driving licence

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.

The ideal candidate for this role will have:

• Experience of working in Business/Corporate Banking or Financial Services
• Relationship management or client management experience with a passion for delivering outstanding customer service
• Business development skills with a track record of account expansion and winning new business
• Commercial lending skills and experience
• Excellent written and verbal communication skills with the ability to influence and share information in a clear, concise and accurate way
• Comprehensive understanding of risk management
• A full driving licence to attend face to face meetings with customers in St Albans and the surrounding areas.

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.

If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk via [e-mail].

Relationship Manager - Business Banking St Albans, GB