Relationship Manager - Commercial Banking – SME Yorkshire

Lloyds Bank plc; Leeds; Hybrid; GBP 42,000 - 62,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounts

30 days holiday

Wellbeing initiatives

Parental leave

Job summary

Lloyds Bank plc is seeking a Relationship Manager for SME Commercial Banking in Yorkshire. You will manage an end-to-end SME client portfolio, focusing on preserving and expanding relationships, with responsibility for income, lending, and risk across diverse sectors.

You will originate new business, build trusted partnerships, and collaborate with internal specialists to deliver tailored banking solutions while maintaining prudent credit discipline.

Qualifications

• Experience in Commercial or Corporate Banking managing SME clients.
• Proven ability to originate and win new business.
• Strong portfolio and relationship management skills.
• Solid credit and risk assessment capabilities.
• Confident communicator with negotiation skills.

Responsibilities

• Take end-to-end ownership of a high-profile SME client portfolio in the North & West Yorkshire area.
• Manage relationships with actively trading businesses typically turning over £3m–£10m.
• Be accountable for portfolio management, income, lending, risk and relationship outcomes.
• Develop trusted partnerships with existing and new SME clients across sectors such as professional services, manufacturing, wholesale, distribution, construction and hospitality.
• Identify opportunities to deliver Commercial Banking solutions including lending, working capital and cashflow facilities, payments, deposits and cards.

Skills

Relationship management

SME banking

Credit assessment

Negotiation

Stakeholder management

Job description

End Date Tuesday 13 October 2026 Salary Range £0 - £0 We support flexible working – click here for more information on flexible working options 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.

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

At Lloyds Banking Group

We're driven by a clear purpose; to help Britain prosper.

Across the Group, our colleagues are focused on making a difference to customers, businesses and communities.

With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values‑led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve.

Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

With 320 years under our belt, we’re used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers.

Here, you’ll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.

Should you wish to contact us for any reason, please email us at: [e-mail] For more Flexible Working Options please use the free text search, e.g. job sharing, variable hours, to identify relevant matches.