Relationship Manager - Real Estate & Housing Sector

Lloyds Banking Group; Leeds; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading financial institution in the UK is seeking a motivated professional for a Real Estate role focused on managing a portfolio of SME clients. Responsibilities include developing relationships with clients, managing risk, and contributing to portfolio growth through strategic solutions. Ideal candidates should possess a strong background in Real Estate finance, effective relationship management skills, and be digitally proficient. The position comes with a generous pension contribution, annual bonuses, and a commitment to inclusivity and diversity.

Benefits

Generous pension contribution

Annual performance-related bonus

Share schemes including free shares

Discounted shopping benefits

30 days holiday plus bank holidays

Wellbeing initiatives and parental leave policies

Qualifications

• Proven expertise in Real Estate & Housing finance with credit judgement.
• A track record of balanced growth while managing risk and regulations.
• Confidence in engaging senior collaborators and building a strong market profile.

Responsibilities

• Develop a portfolio-wide client relationships while managing risk.
• Own senior relationships with developers and owner-managers.
• Customize strategies and solutions based on client needs.

Skills

Real Estate & Housing finance

Client relationship management

Risk assessment

Collaboration

Digital tool proficiency

Education

Relevant industry accreditation

Tools

CRM tools

Contact Planner

Opportunity Optimiser Tool

Job description

We have an exciting opportunity to join the highly successful Business & Commercial Banking Real Estate team in the North East & Yorkshire Region. We provide outstanding support for businesses within the SME sector and this exciting role is in the Real Estate & Housing team. We're passionate about looking after our customers. Are you? If so, we could be a great fit! The successful candidate will be running a portfolio of BCB Real Estate clients spread across South Yorkshire, Sheffield, Nottingham & North Leicestershire. These locations, in the heart of these major cities, are seen as pivotal from a profile/networking and growth perspective as we look to support existing clients and win greater market share. To manage a defined portfolio of “SME” client relationships, operating in the Real Estate & Housing sector. Responsible for delivering a great client experience, whilst identifying opportunities to grow income, balance sheet & market share and managing any associated risks. You will do this in a way that continually seeks to improve professional standards and by being an expert user of colleague tools (e.g. Contact Planner, CRM, Opportunity Optimiser Tool & Green Buildings Tool) to drive added value to the client. Working in partnership with the Client Relationship Team the role holder will be responsible for building powerful internal & external networks to bring the whole bank to the client. The majority of your time will be spent dealing with existing clients (allowing time for preparation and follow up), prospects and introducers. You will also be responsible for your own personal development and are expected to be agile and work with digital technology to improve your own personal effectiveness.

Responsibilities

• Develop a high-quality portfolio-wide broadening income, balance sheet, and client relationships‑while making sound, risk‑aware decisions across lending and contingent liabilities.
• Own and deepen senior relationships with developers, investors, and owner‑managers; be the trusted point of contact who understands their ambitions and delivers against them.
• Build customised strategies and solutions by identifying client needs early. Lead lending assessments and collaborate closely with product, coverage, and pooled Client Relationship Team support to achieve the right outcomes.
• Be present when it counts—take charge of intricate or specialised lending requirements beyond the Client Relationship Team’s scope, ensuring clients remain supported and updated.
• Champion standards and opportunity—maintain asset quality, policy, and regulatory compliance while building your local market presence, crafting new business with Business Development, Product Partners, and key influencers.
• Work smarter, together—role‑model client‑first behaviours, use LBG’s digital tools with confidence, and simplify processes that improve experience and efficiency.

Qualifications

• Proven expertise in Real Estate & Housing finance (e.g., development, investment, or social/affordable housing), with the credit judgement to arrange and negotiate complex transactions.
• A track record of balanced growth—meeting portfolio and income goals while managing risk, conduct, and regulatory obligations.
• Confidence engaging senior collaborators and building profile in the local market; you’re credible with introducers, professionals, and community influencers.
• A collaborative way of working—you bring the whole bank to the client by demonstrating product specialists, coverage teams, and pooled CRT support.
• Digitally curious, with the confidence to adopt new systems and tools quickly; you simplify how we work and elevate client experience.
• Relevant industry accreditation (or the motivation to work towards it) for specialist roles.
• 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.

Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity, or culture. 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. And it's why we especially welcome applications from under‑represented groups. We’re disability confident. So, if you’d like reasonable adjustments to be made to our recruitment processes, just let us know. We also offer a wide‑ranging benefits package, which includes:

Benefits

• 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

If you’re excited by the thought of becoming part of our team, get in touch. We’d love to hear from you.