Relationship Manager – Commercial Banking – SME Yorkshire

Overview

In this role you will manage a high-potential SME client portfolio across North & West Yorkshire, focusing on sustaining and growing existing business while delivering tailored banking solutions. You will act as the primary point of contact for active trading clients, coordinating with internal partners to provide lending, cashflow, payments and risk management. Your efforts will also include winning new-to-bank business and upholding sound risk governance. This is a values‑driven, inclusive environment with a clear impact on regional SMEs and the Bank’s growth goals.

Pay / Benefits

• Generous pension contribution up to 15%
• Annual performance-related bonus
• Share schemes including free shares
• Discounted shopping benefits
• 30 days’ holiday plus bank holidays
• Wellbeing initiatives and parental leave

Responsibilities

• Own and manage a high-profile SME portfolio in North & West Yorkshire with turnover between 3m and 10m
• Develop trusted client relationships and deliver joined-up Commercial Banking solutions (lending, working capital, cashflow, payments and deposits)
• Proactively identify opportunities to deepen client relationships and generate value for both clients and the bank
• Originate and win new-to-bank business through relationship-led development and strategic outreach
• Collaborate with Group Partners and specialist teams to provide comprehensive, tailored solutions
• Conduct credit assessments, prepare credit proposals, and make risk-aware recommendations aligned with policy
• Support clients on ESG considerations and Net Zero journeys while balancing commercial judgement with risk management
• Maintain strong risk management of the portfolio and ensure effective governance with credit and risk controls

Key requirements

• Experience in Commercial or Corporate Banking
• Proven track record of originating and/or winning new business or playing a significant role in deal execution
• Strong portfolio and relationship management skills
• Solid credit and risk capability with experience in assessing credit proposals and issuing policy-aligned recommendations
• Confident communication and negotiation skills with understanding of lending documentation

• Strong communication and negotiation abilities
• Ability to build trusted relationships with clients and external partners
• Cross-functional collaboration and stakeholder management
• credit assessment
• credit paper preparation
• lending documentation

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