Relationship Manager - Commercial Banking - SME Yorkshire

Lloyds Banking Group; Leeds; On-site; GBP 55,000 - 75,000; Full time

Benefits offered by this job

Hybrid Working

Job Share

Flexible Working

Job summary

Lloyds Banking Group in the UK is seeking a Relationship Manager for SME Commercial Banking to manage a portfolio of mid-sized businesses in Yorkshire. The role focuses on maintaining and growing relationships, delivering tailored banking solutions and risk-managed lending.

Hybrid work is available, with two days on-site preferred. The ideal candidate will have a track record in Commercial or Corporate Banking for SME clients, strong relationship-management skills, and experience originating new

Qualifications

• Experience in Commercial or Corporate Banking focusing SME/trading clients.
• Proven track record of originating or winning new business or deal execution.
• Strong portfolio and relationship management skills and ability to build trusted client relationships.

Responsibilities

• Own a high‑profile SME client portfolio in the North & West Yorkshire area, managing relationships with actively trading businesses typically turning over between £3m and £10m.
• Deliver lending, working capital and cashflow facilities, payments and cards; ensure client value in every interaction.
• Originate and win new‑to‑bank business through relationship-led development, prospecting and strategic outreach.

Skills

Relationship management

Commercial banking

Credit assessment

New business development

Job description

End Date

Tuesday 13 October 2026

Salary Range

£0 - £0

We support flexible working

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

Relationship Manager looking after a portfolio of 120 customers with Turnover of between £3m and £10m

Job Description

JOB TITLE: Relationship Manager - SME Commercial Banking

SALARY: Competitive package available

LOCATION : Yorkshire

HOURS: Full-time, 35 hours per week

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. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

What you'll be doing

You'll take end-to-end ownership of a high‑profile SME client portfolio in the North & West Yorkshire area, managing relationships with actively trading businesses typically turning over between £3m and £10m. This is a strategically important portfolio with strong growth potential, where you'll be accountable for portfolio management, income, lending, risk and relationship outcomes, focusing on keeping existing business, deepening client relationships and building long‑term client confidence.

Acting as the face of Lloyds Bank, you'll develop strong relationship management capability by building trusted partnerships with existing and new SME clients across sectors such as professional services, manufacturing, wholesale, distribution, construction and hospitality. You'll take time to understand each client's business model, ambitions and challenges, proactively identifying opportunities to deliver Commercial Banking solutions including lending, working capital and cashflow facilities, payments, deposits and cards, ensuring every interaction adds clear customer value.

A key expectation, alongside managing your portfolio, is that you'll play an active role in originating and winning new‑to‑bank business through relationship‑led business development, prospecting and strategic outreach. You'll build a strong internal and external network, working closely with Group Partners and specialist teams to bring the full breadth of the Bank to your clients and deliver tailored, joined‑up solutions.

You’ll also manage the credit and risk profile of your portfolio, undertaking credit assessments, preparing credit proposals and making risk‑aware recommendations in line with policy and appetite. As a trusted advisor, you'll support clients with wider risk considerations, including ESG priorities and their journey towards Net Zero, balancing strong commercial judgement with disciplined risk management in a region where high‑quality client relationships truly matter.

Why join us?

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.

What we're looking for

The ideal candidate should have experience in Commercial or Corporate Banking, managing SME or trading‑business clients. Ideally with a proven track record of originating and/or winning new business or playing a material role in deal execution within a competitive Commercial Banking environment. Strong portfolio and relationship management skills, with the ability to build trusted client relationships and influence customers and external partners. Solid credit and risk capability, including experience assessing credit proposals, preparing credit papers and making sound, policy‑aligned recommendations. Confident communication and negotiation skills, with a working understanding of commercial terms and lending documentation.

We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

This is a place for you

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 kno