Relationship Manager - Commercial & SME BankingLocation: South London (Fully Office-Based)
Salary: £45,000-£50,000 per annumAbout the RoleWe 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 ResponsibilitiesCustomer & Portfolio ManagementManage 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 GrowthAchieve 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 & ComplianceManage 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 SupportCoach 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 ConductAdhere 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 & RequirementsMinimum 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 serviceFinancial analysis & credit understandingRegulatory knowledgeStaff development & coachingExcellent presentation, communication, and negotiation skills.Confident, proactive, and capable of managing a busy diary and diverse workload.What We OfferCompetitive salary of £45,000-£50,000Professional development and ongoing certification supportA collaborative, office-based working environment in South LondonThe opportunity to influence branch commercial performance and build strong corporate relationshipsIf 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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