SME Banking Relationship Manager

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

Benefits offered by this job

Pension up to 15%

Annual performance bonus

Share schemes

Discounted shopping

30 days holiday plus bank holidays

Wellbeing & parental leave

Job summary

Lloyds Banking Group in Sussex is seeking an SME Banking Relationship Manager to look after a portfolio of ambitious local businesses with turnover between £3m and £10m. You’ll work in a hybrid pattern, building trusted relationships and delivering banking solutions across lending, deposits and working capital.

You’ll assess credit propositions, manage risk, and identify new-to-bank opportunities while collaborating with colleagues across the group to turn insights into outcomes.

Qualifications

• Relationship management experience with a client portfolio.
• Strong business development track record identifying opportunities.
• Experience assessing credit propositions.
• Understanding lending products and suitable options.
• Ability to understand businesses, markets and competition.
• Ability to assess information objectively and make decisions.

Responsibilities

• Look after a portfolio of Sussex-based businesses.
• Assess credit propositions and manage risk.
• Develop new-to-bank opportunities and networks.
• Collaborate across the group to bring in expertise.
• Utilise digital tools and new ways of working.

Skills

Relationship mgmt

Franchise growth

Credit risk

Loans & working capital

Business insight

Critical thinking

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

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