Relationship Manager - SME & Commercial

Location: South London (Fully Office-Based)Salary: £45,000-£50,000 per annum

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.

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  Manage and grow a portfolio of Commercial/SME clients.

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  Conduct regular customer meetings, networking, and business development activities.

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  Ensure all customer interactions follow TCF (Treating Customers Fairly) guidelines.

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  Handle targeted account opening volumes and refer clients for Trade, FX, or Islamic banking products where appropriate.

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  Achieve asset and deposit growth targets for the branch.

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  Prepare and negotiate customer credit proposals.

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  Submit credit papers and account-opening documents to internal approval teams.

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  Support the disbursement of lending in line with business objectives.

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  Manage credit renewals in accordance with policy and deadlines.

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  Monitor compliance-related transactions and ensure Enhanced Due Diligence (EDD) is completed.

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  Track excesses and Key Risk Indicators across all key accounts.

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  Ensure branch SLAs are achieved for account opening and ongoing servicing.

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  Coach and support junior RMs/RSOs to achieve KPI expectations.

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  Assist in preparing MI, meeting materials, presentations, and business development reporting.

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  Contribute to branch-related projects, planning, data analysis, and championing operational initiatives.

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  Provide support to interns and new joiners where required.

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  Adhere to the FCA and PRA Conduct Rules at all times, demonstrating integrity, skill, diligence, and commitment to delivering good customer outcomes.

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  Maintain compliance with the Certification Regime, conduct risk standards, and internal policy frameworks.

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  Minimum 5 years' experience in a Relationship Manager role within the banking sector (Commercial/SME preferred).

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  Strong understanding of credit processes, risk management, and commercial banking products.

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  Evidence of ongoing CPD and professional qualifications (or commitment to obtaining them).

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  Demonstrated competence in:

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    Relationship management & customer service

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    Financial analysis & credit understanding

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    Regulatory knowledge

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    Staff development & coaching

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  Excellent presentation, communication, and negotiation skills.

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  Confident, proactive, and capable of managing a busy diary and diverse workload.

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  Competitive salary of £45,000-£50,000

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  Professional development and ongoing certification support

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  A collaborative, office-based working environment in South London

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  The opportunity to influence branch commercial performance and build strong corporate relationships

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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!