Relationship Manager - SME Commercial Banking

You'll take end-to-end ownership of a high-profile SME client portfolio in the Gloucestershire area, managing relationships with actively trading businesses typically turning over between £3m and £10m. This is a strategically important portfolio with strong growth potential, where you'll be accountable for portfolio management, income, lending, risk and relationship outcomes, focusing on keeping existing business, deepening client relationships and building long-term client confidence. Acting as the face of Lloyds Bank, you'll develop strong relationship management capability by building trusted partnerships with existing and new SME clients across sectors such as professional services, manufacturing, wholesale, distribution, construction and hospitality. You'll take time to understand each client's business model, ambitions and challenges, proactively identifying opportunities to deliver Commercial Banking solutions including lending, working capital and cashflow facilities, payments, deposits and cards, ensuring every interaction adds clear customer value. A key expectation, alongside managing your portfolio, is that you'll play an active role in originating and winning new-to-bank business through relationship-led business development, prospecting and strategic outreach. You'll build a strong internal and external network, working closely with Group Partners and specialist teams to bring the full breadth of the Bank to your clients and deliver tailored, joined-up solutions. You'll also manage the credit and risk profile of your portfolio, undertaking credit assessments, preparing credit proposals and making risk-aware recommendations in line with policy and appetite. As a trusted advisor, you'll support clients with wider risk considerations, including ESG priorities and their journey towards Net Zero, balancing strong commercial judgement with disciplined risk management in a region where high-quality client relationships truly matter. Why join us? 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., 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.

• At least 2 years' experience in Commercial or Corporate Banking, managing SME or trading-business clients.
• A proven track record of originating and/or winning new business or playing a material role in deal execution within a competitive Commercial Banking environment.
• Strong portfolio and relationship management skills, with the ability to build trusted client relationships and influence customers and external partners.
• Solid credit and risk capability, including experience assessing credit proposals, preparing credit papers and making sound, policy-aligned recommendations.
Confident communication and negotiation skills, with a working understanding of commercial terms and lending documentation. We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop. We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

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