Relationship Manager – Commercial & SME Banking
Location: South London (Fully Office-Based)
Salary: £45,000-£50,000 per annum
About the Role
We are seeking an experienced Relationship Manager to join our Branch Banking team. This role focuses on driving profitable growth by providing high-quality relationship management to Commercial and SME clients. You will own a designated portfolio, manage credit needs, identify new opportunities, and ensure exceptional customer outcomes.
This is a key position for an ambitious banking professional who can balance portfolio growth with robust risk awareness, early warning identification, and strong adherence to regulatory standards.
Key Responsibilities
Customer & Portfolio Management
* Manage and grow a portfolio of Commercial/SME clients.
* Conduct regular customer meetings, networking, and business development activities.
* Ensure all customer interactions follow TCF (Treating Customers Fairly) guidelines.
* Handle targeted account opening volumes and refer clients for Trade, FX, or Islamic banking products where appropriate.
Commercial Growth
* Achieve asset and deposit growth targets for the branch.
* Prepare and negotiate customer credit proposals.
* Submit credit papers and account-opening documents to internal approval teams.
* Support the disbursement of lending in line with business objectives.
Control & Compliance
* Manage credit renewals in accordance with policy and deadlines.
* Monitor compliance-related transactions and ensure Enhanced Due Diligence (EDD) is completed.
* Track excesses and Key Risk Indicators across all key accounts.
* Ensure branch SLAs are achieved for account opening and ongoing servicing.
Team & Branch Support
* Coach and support junior RMs/RSOs to achieve KPI expectations.
* Assist in preparing MI, meeting materials, presentations, and business development reporting.
* Contribute to branch-related projects, planning, data analysis, and championing operational initiatives.
* Provide support to interns and new joiners where required.
Regulatory Conduct
* Adhere to the FCA and PRA Conduct Rules at all times, demonstrating integrity, skill, diligence, and commitment to delivering good customer outcomes.
* Maintain compliance with the Certification Regime, conduct risk standards, and internal policy frameworks.
Experience & Requirements
Minimum 5 years' experience in a Relationship Manager role within the banking sector (Commercial/SME preferred).
Strong understanding of credit processes, risk management, and commercial banking products.
Evidence of ongoing CPD and professional qualifications (or commitment to obtaining them).
Demonstrated competence in:
* Relationship management & customer service
* Financial analysis & credit understanding
* Regulatory knowledge
* Staff development & coaching
* Excellent presentation, communication, and negotiation skills.
* Confident, proactive, and capable of managing a busy diary and diverse workload.
What We Offer
* Competitive salary of £45,000-£50,000
* Professional development and ongoing certification support
* A collaborative, office-based working environment in South London
* The opportunity to influence branch commercial performance and build strong corporate relationships
If you are a driven Relationship Manager with strong commercial expertise and a passion for exceptional client service, we'd love to hear from you. Apply today
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