SME Banking Relationship Manager

Lloyds Banking Group; England; Hybrid; GBP 55,000 - 67,000; Full time

Benefits offered by this job

Generous pension

Annual bonus

Share schemes

Discounts

30 days holiday

Wellbeing initiatives

Parental leave

Job summary

Lloyds Banking Group is hiring an SME Banking Relationship Manager to support businesses across Sussex. You will nurture client relationships, spot growth opportunities and coordinate credit and lending solutions. The role emphasises risk-aware decision making and collaboration with internal experts.

You’ll work in a hybrid setup, engaging with local businesses and communities to drive results within the Commercial Banking SME team. Excellent communication and financial insight are essential.

Qualifications

• Experience developing lasting relationships with diverse clients.
• Strong business development track record within banking or financial services.
• Experience assessing credit propositions and applying risk frameworks.
• Understanding of commercial loans and working capital solutions.
• Ability to understand markets, businesses and the competitive landscape.

Responsibilities

• Manage a portfolio of Sussex-based SME customers with £3m–£10m turnover.
• Identify opportunities and develop new-to-bank relationships for growth.
• Assess credit propositions and make informed risk/return decisions.
• Promote lending, deposits and cross-group solutions to clients.
• Build networks with local partners to turn ideas into outcomes.

Skills

Relationship management

Business development

Credit risk

Lending & working capital

Business insight

Critical thinking

Digital literacy

Job description

SME Banking Relationship ManagerDo you accept our cookie policy?### SME Banking Relationship ManagerApply: Horsham: Reigate: Hastings 17 Wellington Place: Full time: Posted Today: End Date: November 17, 2026 (13 days left to apply): 165355**End Date**Monday 16 November 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**.**Job Description****Job Title:** SME Banking Relationship Manager**Locations:** Sussex**Hours:** Full time**Salary:** Starting from £61,344**Working Pattern:** Our work style is hybrid, which involves spending at least two days per week, or 40% of your time, at one of our office sites. ## **About this opportunity** **Want to help ambitious businesses turn their plans into progress?**Join our Commercial Banking SME team and look after a portfolio of businesses across Sussex, with turnover between £3m and £10m. You’ll get beneath the surface of each business, understanding what they want to achieve and where banking can make a difference. That might mean exploring lending or working capital, discussing deposits or bringing in expertise from elsewhere in the Group. There’s a strong growth focus too. You’ll spot potential within your portfolio, make new connections across the local business community and develop new-to-bank opportunities. Along the way, you’ll build a valuable network of colleagues and external partners who can help turn ideas into outcomes. Good judgement will be just as important as commercial instinct. You’ll assess credit propositions, consider risk and use evidence to reach well-reasoned decisions. You’ll also adopt digital tools and new ways of working that make banking simpler for the people you work with. It’s a role with variety, visibility and real scope to build your career in Commercial Banking, with opportunities to develop your expertise and progress further within the Group. ## Why join us?We’re investing billions in our people, places and tech to change the way we meet the needs of our 28 million customers. We’re growing and we’d love you to be part of the journey. ## What you'll need* **Relationship Management** – experience developing lasting relationships, understanding individual priorities and managing the varied demands of a client portfolio.* **Growing the Franchise** – strong business development experience, with a track record of identifying opportunities, developing prospective relationships and creating value through new and existing business.* **Credit Risk** – experience assessing credit propositions, applying established frameworks and balancing commercial value with effective risk management.* **Commercial Loans & Working Capital** – a strong understanding of lending products and how to identify suitable options based on individual business needs.* **Business & Commercial Insight** – the ability to understand businesses, markets and the competitive landscape, using that knowledge to uncover opportunities.* **Critical Thinking** – the ability to assess information objectively, challenge assumptions and make sound, practical decisions. ## And any experience of this would be really useful* **Financial Services Experience** – experience of relationship management or business development within banking or wider financial services.* **Managing Key Relationships** – experience navigating different priorities and bringing people together to achieve positive outcomes.* **Writing a Credit Deal** – experience using commercial information and judgement to develop credit proposals.* **Digital Literacy** – experience making effective use of digital tools and banking platforms in your day-to-day work. ## 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. We are 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 launch 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 and have 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 to make an impact? Apply today.****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.**