Relationship Manager Real Estate & Housing

Lloyds Banking Group; Cambridge; Hybrid; GBP 50,000 - 75,000; Full time

Job summary

A leading company in the finance sector is seeking a Relationship Manager for Real Estate & Housing in the East Region. This role involves managing client relationships, assessing credit risk, and leveraging local networks for business development. The successful candidate will work in a hybrid environment, ensuring excellent client service and compliance with internal policies. Join a fast-changing organization that values diversity and innovation in finance.

Benefits

Generous pension contribution of up to 15%

Annual performance-related bonus

Share schemes including free shares

30 days holiday plus bank holidays

Wellbeing initiatives and generous parental leave policies

Qualifications

• Extensive experience in Commercial/Relationship Banking.
• Strong lending capability with assessments of credit risks.
• Proficient in maintaining productive relationships with professionals.

Responsibilities

• Manage a portfolio of SME client relationships within Real Estate.
• Identify client needs and develop strategies to satisfy those needs.
• Grow income, balance sheet, and client numbers while managing risks.

Skills

Commercial Banking experience

Relationship Management

Credit Risk Assessment

Networking

Business Development

Job description

End Date

Tuesday 01 July 2025

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

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Job Description

JOB TITLE:Relationship Manager Real Estate & Housing
LOCATION(S): England East Region - Northampton, Peterborough and Cambridge

SALARY: Competitive package
HOURS:Full Time
WORKING PATTERN:Our work style is hybrid, which involves spending at least two days per week, or 40% of your time, in the office.

About this opportunity

We're passionate about looking after our customers. Are you? If so, we could be a great fit!

We have an exciting opportunity to join our highly successful Business & Commercial Banking Real Estate team in the England East Region, providing outstanding support for businesses within the Real Estate and Housing sector.

You'll manage a defined portfolio of ‘SME’ client relationships within the Real Estate sector, delivering a great client experience, whilst identifying opportunities to grow income, balance sheet & market share.

Working in partnership with the Client Relationship Team, you'll build powerful internal & external networks to bring the whole bank to the client. The majority of your time will be taking care of existing clients (allowing time for preparation and follow up), prospects and introducers.

Your responsibilities will include:

• Accountable for growing income, balance sheet and client numbers, whilst also managing any associated risks.
• Managing a portfolio of client relationships with a focus on the Real Estate sector.
• Identifying client needs and developing client strategies to meet those needs, leveraging product, coverage and support teams where relevant. Undertaking lending assessments and implementing appropriate client solutions.
• Responding to client’s key moments of truth including lending which cannot be fulfilled by the Client Relationship Team.
• Ensuring the balance between risk and reward is effectively managed ensuring that all lending and contingent liabilities meet the Bank’s asset quality and policy requirements.
• To be seen as the “go to” banker in their geographic area of responsibility. Maintaining a high profile with external influencers and the local business community to achieve the Bank’s stated aim of being the best bank for clients.
• Creating and utilising an effective partnership with pooled support in the Client Relationship Team.
• Positively promoting the Bank’s image and working closely with Business Development, Product Partners and others to develop new business opportunities.
• Ensuring activities comply with internal and external polices (including credit), asset quality, standards, reporting, legal, statutory and/or regulatory requirements.

Why Lloyds Banking Group?

If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.

What we need from you?

• You'll have extensive Commercial/Relationship Banking experience with a strong lending capability; able to assess to credit risk of the corporate client.
• You'll also need to demonstrate how you're wired into local networks with extensive connections in the professional space and use these for business development opportunities.
• You'll be highly proficient at building and maintaining productive relationships with external professionals and adept at winning good volumes of higher value new client relationships.
• You'll use your specialist credit and sector knowledge along with all available digital tools to deliver excellent client experiences whilst identifying ways to grow income, balance sheet and market share and handling associated 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. And, 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.
• 30 days’ holiday, with bank holidays on top.
• A range of wellbeing initiatives and generous parental leave policies.

Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more!

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.