Relationship Manager - Commercial Banking – SME Yorkshire

Job Title

Relationship Manager - SME Commercial Banking

Yorkshire

Full‑time, 35 hours per week

Hybrid working: at least two days per week (or 40% of time) at an office site. Disability support can be arranged in line with our Flexibility Works policy.

Take end‑to‑end ownership of a high‑profile SME client portfolio across West & East Yorkshire, managing relationships with businesses turning over between £3m and £10m. Accountable for portfolio management, income, lending, risk and relationship outcomes, focusing on keeping existing business, deepening client relationships and building long‑term confidence.

Act as the face of Lloyds Bank, building trusted partnerships with existing and new SME clients across sectors such as professional services, manufacturing, wholesale, distribution, construction and hospitality. Understand each client’s business model, ambitions and challenges, proactively identify opportunities to deliver Commercial Banking solutions – lending, working capital, cashflow facilities, payments, deposits and cards – ensuring every interaction adds clear customer value.

Play an active role in originating and winning new‑to‑bank business through relationship‑led development, prospecting and strategic outreach. Build a strong internal and external network, working with Group Partners and specialist teams to deliver tailored, joined‑up solutions.

Manage the credit and risk profile of the portfolio by undertaking credit assessments, preparing credit proposals and making risk‑aware recommendations in line with policy and appetite. Support clients with wider risk considerations, including ESG priorities and Net Zero, balancing commercial judgment with disciplined risk management.

We’re on an exciting journey to transform our Group and shape finance for good, investing in technology, workplaces and colleagues to make our Group a great place for everyone.

• Experience in Commercial or Corporate Banking, managing SME or trading‑business clients, with a proven track record of originating or winning new business.
• Strong portfolio and relationship management skills, building trusted client relationships and influencing customers and partners.
• Solid credit and risk capability, assessing credit proposals, preparing credit papers and making sound, policy‑aligned recommendations.
• Confident communication and negotiation skills with an understanding of commercial terms and lending documentation.

• Generous pension contribution 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 plus bank holidays
• Wellbeing initiatives and generous parental leave policies

Our ambition is to be the leading UK business for diversity, equity and inclusion, supporting clients, colleagues and communities. We offer reasonable workplace adjustments for colleagues with disabilities, and as a Disability Confident Leader we guarantee fair interview opportunities. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers.

We keep your data safe. We’ll only ask for confidential information once you have been formally invited to interview or accepted a verbal offer. All background checks are conducted by a trusted Lloyds Banking Group person. We’re committed to building an inclusive workforce that reflects the diversity of our customers and communities.