Relationship Manager - Business Banking Relationships

Lloyds Banking Group; West Midlands; Hybrid; GBP 65,000 - 90,000; Full time

Benefits offered by this job

Pension contribution up to 15%

Annual performance-related bonus

Share schemes including free shares

Discounted shopping options

28 days' holiday + bank holidays

Job summary

Lloyds Banking Group in Birmingham is seeking a Relationship Manager for Business Banking Relationships to deliver a first-class service to a pooled set of clients and to deepen high-value relationships while maintaining strong risk controls.

You will handle complex lending, grow deposits, and bring the bank's proposition to your clients, working in a hybrid model with colleagues across the bank to support client growth and mitigate risk.

Qualifications

• Experience delivering complex lending solutions for business clients.
• Proven ability to retain and deepen high-value relationships.
• Strong risk management and compliance awareness.
• Proactive in using digital tools to improve client outcomes.

Responsibilities

• Complex Lending from Term Loans to Working Capital Solutions such as Invoice Finance, Hire Purchase and Trade.
• Seeking to retain and grow customer deposits.
• We have an expectation to grow the portfolio through bringing more of the bank's proposition to your existing clients.
• Maintain a robust and bespoke contact strategy with your clients.
• You'll be an ambassador for change, an early adopter of tools designed to improve the client and colleague experience and support your wider team and function to work towards their goals.

Skills

Complex lending

Client relationship management

Risk management

Growth mindset

Job description

Job Title: Relationship Manager - Business Banking Relationships

Location: Birmingham

Salary: Competitive package available

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.

About this opportunity

We have an exciting opportunity to join our newly formed Business Banking Relationship Team. We provide outstanding support for businesses within the Business Banking sector and we're passionate about looking after our customers.

The Business Banking Relationships team is focused on deepening existing relationships with High Value Business Banking clients through a new pooled RM model, supporting BCB's ambitions to become the best bank for businesses by providing proactive relationship management to more complex Business Banking clients with their growth ambitions.

As a Specialist Manager, you will be responsible for delivering a first-class experience to a pooled set of clients ensuring we retain business, rebuild trust, support their business ambitions and proactively offer support through bringing the whole bank to clients, whilst maintaining strong risk disciplines.

What will you be doing?

• Complex Lending from Term Loans to Working Capital Solutions such as Invoice Finance, Hire Purchase and Trade
• Seeking to retain and grow customer deposits.
• We have an expectation to grow the portfolio through bringing more of the bank's proposition to your existing clients
• Maintain a robust and bespoke contact strategy with your clients.
• You'll be an ambassador for change, an early adopter of tools designed to improve the client and colleague experience and support your wider team and function to work towards their goals.

Why Lloyds Banking Group?

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. Including you.

What we need from you

• Results focused - You'll take personal responsibility for delivering results, whilst readily accepting change and focussing on client outcomes
• Client retention - Highly proficient at building and maintaining productive relationships with clients, always maintains excellent professional standards using tools available to support ownership of journeys and follow up with clients.
• Specialist knowledge - Uses specialist credit and sector knowledge, along with all available digital tools, to deliver excellent client experiences. Identifying ways to grow income, balance sheet and market share.
• People - Have a growth mindset and be keen to adopt and use key enablers that enhance the client experience and demonstrate the value a Pooled Relationship Manager brings to a client's business.
• Risk management - You'll demonstrate strong risk management skills, requiring attention to detail and a pro-active approach to anticipating potential risks

About Working For Us

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
• 28 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies