SME Relationship Director

Job Title

SME Relationship Director

Full Time – Cardiff.

Competitive package – Salary Range £85,493 – £100,580.

Hybrid working: at least one day per week in the Cardiff office and up to 20% of time meeting clients. Flexible working options, including job share.

We are looking for a passionate and driven Relationship Director to join our high‑performing SME Commercial Banking team. The role involves building strong client relationships, identifying growth opportunities and delivering meaningful impact. You will manage a defined portfolio of SME clients (turnover £10m‑£50m), ensuring an outstanding client experience while driving sustainable income growth, balance sheet expansion and market share. You will act as the face of Lloyds Banking Group, positioning yourself as a trusted advisor who supports clients’ ambitions.

• Manage a portfolio of SME clients, delivering tailored solutions across lending, deposits, payments and day‑to‑day banking services.
• Generate new business and expand the client base by identifying and winning new‑to‑bank opportunities through market engagement, networking and relationship building.
• Collaborate with internal product specialists and coverage teams to deliver end‑to‑end services and ensure a joined‑up client experience.
• Build and maintain strong internal and external networks, working with colleagues, group partners and professional introducers to create opportunities for clients.
• Help clients unlock their potential and achieve their business objectives.
• Hold full accountability for risk management within the portfolio, conducting lending assessments, structuring financial solutions and ensuring exposures align with the bank’s risk appetite and credit policies.

• Track record of winning new business in a competitive corporate or commercial banking environment, with a broad network in the local Cardiff commercial market.
• Strong team player and self‑starter with the drive and passion to succeed individually and as part of a wider team.
• Excellent communication skills and ability to build, create and maintain relationships with clients and external partners.
• Proven credit experience: evaluating propositions and making effective commercial recommendations to the Credit team.
• Detailed understanding of legal documentation and ability to negotiate legal and commercial terms.
• Awareness of the different types of risk in a lending environment and ability to minimise such risk.

• Generous pension contribution of up to 15%
• Annual performance‑related bonus
• Share schemes including free shares
• Adaptable benefits such as discounted shopping
• 30 days holiday plus bank holidays
• Range of wellbeing initiatives and generous parental leave policies

We are committed to creating an inclusive workplace where everyone can thrive, learn and develop. We were one of the first major organisations to set goals on diversity in senior roles and to offer initiatives such as a menopause health package and a Working with Cancer Initiative. We provide 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 also offer a wide‑ranging benefits package designed to support your well‑being and future.