SME Relationship Manager - Agriculture

Lloyds Banking Group; Weymouth; Hybrid; GBP 55,000 - 85,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounted shopping

30 days holiday + bank holidays

Wellbeing initiatives

Parental leave

Job summary

Lloyds Banking Group is seeking an SME Relationship Manager, Agriculture to manage a portfolio of around 100 farming client groups across multiple UK locations. The role combines face-to-face and MS Teams engagements, with on-site collaboration and a hybrid working pattern.

You will identify opportunities to grow the franchise, prepare credit papers for facilities and renewals, and support customers in sustainable business practices aligned with ESG priorities.

Qualifications

• Relationship management experience in banking or corporate/commercial sectors.
• Ability to identify opportunities and grow client portfolios.
• Experience writing clear credit papers and assessing lending facilities.
• Ability to assess and manage credit risk and use policy tools.

Responsibilities

• Build and maintain strong relationships with agriculture clients.
• Identify opportunities to deepen relationships with relevant products and services.
• Assess and prepare credit papers for new facilities and renewals.
• Advise on sustainability considerations in line with ESG goals.
• Coordinate with service and delivery teams to resolve requests.

Skills

Relationship management

Business development

Credit risk assessment

Credit papers

Collaboration

Critical thinking

Job description

JOB TITLE: SME Relationship Manager, Agriculture

SALARY: Competitive package available

LOCATION(S): Poole, Dorchester, Shaftesbury, Weymouth, Yeovil or Salisbury

HOURS: Full time

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

Are you ready to take the next step in your career and make a meaningful difference, helping agricultural businesses prosper, grow and thrive?

As an SME Relationship Manager, you'll manage a portfolio of approximately 100 agriculture client groups. You'll connect with clients face to face and through Microsoft Teams, proactively meeting around seven clients each week to understand their businesses, identify emerging needs and help them consider their options.

What You'll Be Doing

• Build and maintain strong relationships with agriculture clients, providing tailored support based on their business needs and financial goals.
• Identify opportunities to deepen relationships through relevant products and services, involving product specialists where appropriate.
• Assess and manage credit risk, preparing credit papers for new facilities and renewals using the Bank's established tools.
• Help clients consider how they could make their businesses more sustainable, in line with the Group's environmental, social and governance responsibilities.
• Work with service and delivery colleagues to resolve requests effectively and help clients understand the available service model.
• Represent the Group in meetings with professional partners and intermediaries, while supporting collaboration and the adoption of tools that improve the client and colleague experience.

About us / Why Lloyds Banking Group

We're on an exciting journey to transform our Group and the way we're shaping finance for good. We're focusing on the future, investing in our technologies, workplaces and colleagues to make our Group a great place for everyone.

What you'll need

• Relationship Management: 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.
• Growing the Franchise: A track record of winning new business in a competitive environment within corporate or commercial banking, alongside a broad established network within the local Cardiff Commercial market.
• Writing a Credit Deal: The ability to prepare clear, accurate credit papers for new lending facilities and renewals, applying established policies and tools.
• Credit Risk: The ability to assess and manage credit risk, balance potential value with business outcomes and recognise emerging issues.
• Critical Thinking: The ability to evaluate information objectively, identify gaps or underlying causes and reach practical, evidence-based conclusions.
• Collaboration: The ability to work effectively with product experts, service colleagues, professional partners and intermediaries to deliver joined-up client outcomes.

And any experience of this would be really useful

• Product Knowledge: Experience using knowledge of financial products and services to help business clients consider suitable options.

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'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 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.

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