Relationship Manager – SME Commercial Banking

Lloyds Banking Group

. You’ll take end-to-end ownership of a high-profile SME client portfolio in the Gloucestershire area.

Posted 4/29/2026full-timeCirencester • 🇬🇧 United KingdomJuniorMid-Level💰 £61,344 - £68,160 per yearWebsite

About the role

Key responsibilities & impact

You’ll take end-to-end ownership of a high-profile SME client portfolio in the Gloucestershire area.
Manage relationships with actively trading businesses typically turning over between £3m and £10m.
Accountable for portfolio management, income, lending, risk and relationship outcomes.
Proactively identify opportunities to deliver Commercial Banking solutions including lending, working capital and cashflow facilities, payments, deposits and cards.
Play an active role in originating and winning new-to-bank business through relationship-led business development, prospecting and strategic outreach.
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.

Requirements

What you’ll need

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.

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit assessmentscredit proposalsrisk managementportfolio managementcommercial banking solutionslendingworking capitalcashflow facilitiespaymentsdeposits

Soft Skills

relationship managementclient relationship buildinginfluencecommunicationnegotiationstrategic outreachbusiness developmenttrust buildingproactive identification of opportunitiesdeal execution