Relationship Manager - SME & Commercial

Relationship Manager - Commercial & SME BankingLocation: South London (Fully Office-Based) Salary: £45,000-£50,000 per annum About 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 Management • 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. Commercial Growth • 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. Control & Compliance • 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. Team & Branch Support • 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. Regulatory Conduct • 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. Experience & Requirements • 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. What We Offer • 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!