Relationship Manager - SME Commercial Banking

Relationship Manager - SME Commercial Banking

Location: Leeds

End date: Tuesday 13 October 2026

Job type: Permanent

Posted date: Posted 3 days ago

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JOB TITLE: Relationship Manager - SME Commercial Banking

SALARY: Competitive package available

LOCATION : Yorkshire

HOURS: Full-time, 35 hours per week

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

What you'll be doing You'll take end-to-end ownership of a high‑profile SME client portfolio in the North & West Yorkshire 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.

What we're looking for

• The ideal candidate should have experience in Commercial or Corporate Banking, managing SME or trading‑business clients. Ideally with 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.

This is a place for you

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.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

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

Ready to make an impact? Apply today!

Job ID

163525

Agile Working Options

Job Share; Hybrid Working

Join us and you’ll have access to:

• Pay and Bonus – competitive salaries as well as bonus aligned to group, business area and individual performance.
• Hybrid working giving you the option to work from home for up to three days a week, extended up to five days a week over the summer period.
• Private medical insurance providing all colleagues with access to quality medical care, including accommodation, nursing care and specialist advice.
• Generous pension scheme with employer contributions. The more you save, the more we'll contribute to your plan, starting with 9% if you pay in 3% of your salary, going all the way up to 15% if you contribute 6% or more.
• Financial products and colleague offers – you’ll be able to take advantage of all our financial products, some at a discounted rate, including current accounts, home and car insurance and loans.
• Family leave – from day one you’ll be able to have 52 weeks' leave after your child is born or placed for adoption; six months of that leave is fully paid. Partners can have six weeks of fully paid paternity leave.
• Holiday trading - buy or sell extra days to suit your lifestyle.
• Share plans align your reward package.

Development and progression

From the moment you jo