JOB TITLE: Associate Relationship Manager LOCATIONS: Reading, Crawley, Guildford, Slough SALARY: £39,825 to £44,250 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 the Role We're seeking an Associate Relationship Manager (ARM) to provide support for a significant portfolio within our Commercial Banking Coverage teams, primarily comprising Real Estate clients, both investment and development. Working alongside the Relationship Managers (RM) and Relationship Directors (RD), you'll help deliver excellent service and tailored solutions to meet our clients' goals. The clients' requests for lending typically fall between £3m to £25m. You'll play a key role in building long-term, multi-product relationships- leading on the switcher strategy, ensuring funds are with clients quickly, handling risk, and deepening client engagement. This is a dynamic role where no two days are the same, ideal for someone who thrives in a fast-paced environment and is passionate about putting customers first. What you'll be doing Client Engagement : Join client meetings virtually or in person, prepare agendas, and follow up. Proactively communicate via phone and email, including updates on rates, fraud alerts, and events. Use LinkedIn to promote the Lloyds Relationship Management profile. Portfolio Management & Growth : Proactively manage the lending journey to ensure smooth & quick completions. Support RMs and RDs in identifying and attracting high value clients. Help grow our existing portfolio by spotting opportunities to expand product holdings and identify new opportunities. Risk & Compliance : Use your basic knowledge of financial accounts to help assess client needs, support credit proposals and manage risk with existing clients. Proactively support areas like Credit monitoring, OKYC, and financial analysis making informed recommendations. Credit & Onboarding : Assist with credit reviews, facility changes, onboarding, and help prepare credit proposals and tender submissions. Organisation & Efficiency : Prioritise your workload, manage your diary and inbox, and handle queries and data analysis. Help improve our processes, identifying ways to make things better for clients and colleagues. C ollaboration & Insight : Work with internal teams and product partners to deliver tailored solutions and stay informed on sector developments to support client engagement and inform future strategy. 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 you'll need We're looking for someone who's proactive, organised, and passionate about delivering great client outcomes. Ideally, you'll bring: Experience in a customer-facing role within financial services Confidence in building and maintaining strong internal and external relationships Ownership of complex queries, with strong problem-solving skills and persistence An understanding of Real Estate lending processes, including valuations, security, the legal journey, and the end‑to‑end lending process Strong organisational and time management skills, with the ability to juggle shifting priorities Proficiency in Microsoft 365 tools, especially Outlook and Excel A strong sense of ethics and integrity coupled with awareness of risk and experience in identifying and handling it appropriately Clear written and verbal communication skills across all levels Self-motivated in terms of your own Development, taking ownership for ongoing personal growth And any experience of this would be really useful: Experience in Business & Commercial Banking Proficient in using systems such as BOLT, PEGA and Co-Pilot About Working For Us Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and 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 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 with 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 28 days' holiday, with bank holidays on top A range of wellbeing initiatives and generous parental leave policies This is a once in a career opportunity to help shape your future as well as ours. Join us and grow with purpose!