Relationship Manager Real Estate & Housing

Lloyds Banking Group; Guildford; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading banking organization in Guildford seeks a professional to manage SME client relationships in the Real Estate sector. The role involves fostering client engagement, delivering financial solutions, and ensuring compliance with banking standards. Ideal candidates will have extensive relationship banking experience and strong connections in the local market. Competitive benefits include a generous pension contribution and flexible perks.

Benefits

Generous pension contribution of up to 15%

Annual performance-related bonus

Share schemes including free shares

Shopping discounts

30 days' holiday plus bank holidays

Wellbeing initiatives and parental leave policies

Qualifications

• Extensive experience in Commercial/Relationship Banking with strong lending capability.
• Ability to leverage local networks for business development.
• Proficient in building and maintaining relationships with external professionals.

Responsibilities

• Manage a portfolio of client relationships within the Real Estate sector.
• Grow income, balance sheet, and client numbers while managing risks.
• Create strategies based on client needs while utilizing product and coverage teams.

Skills

Commercial/Relationship Banking experience

Credit risk assessment

Building productive relationships

Job description

We have an exciting opportunity to join our highly successful Business & Commercial Banking Real Estate team in the England South 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:

1. Accountable for growing income, balance sheet, and client numbers, whilst also managing any associated risks.
2. Managing a portfolio of client relationships with a focus on the Real Estate sector.
3. 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.
4. Responding to client's key moments of truth including lending which cannot be fulfilled by the Client Relationship Team.
5. 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.
6. 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.
7. Creating and utilising an effective partnership with pooled support in the Client Relationship Team.
8. Positively promoting the Bank's image and working closely with Business Development, Product Partners, and others to develop new business opportunities.
9. Ensuring activities comply with internal and external policies (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 credit risk of corporate clients.
• 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. We're committed to creating an environment in which everyone can thrive, learn, and develop.

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 in shaping the future of financial services, with many opportunities to learn, grow, and develop. We keep your data safe, only requesting confidential or sensitive information after a formal invitation to interview or upon accepting an offer, with clear explanations provided.

We're focused on creating a values-led culture and building a workforce reflecting the diversity of the communities we serve. We offer various benefits, including:

• A generous pension contribution of up to 15%.
• An annual performance-related bonus.
• Share schemes including free shares.
• Benefits adaptable to your lifestyle, such as shopping discounts.
• 30 days' holiday plus bank holidays.
• Wellbeing initiatives and parental leave policies.