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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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!