Relationship Manager - Business Banking - #2150944

Location: Manchester, UK
Salary: up-to £50,000 per annum
Role: Relationship Manager - Business Banking
Sector: Banking / Financial Services

We are looking for an experienced Relationship Manager - Business Banking to join our team in Manchester.

The role will focus on acquiring, managing and growing Business Banking/SME relationships, driving portfolio growth and profitability, and providing customers with a comprehensive range of banking solutions.

The successful candidate will have strong experience in Business/SME Banking, relationship management, customer acquisition, credit, lending and Trade Finance, with the ability to develop long-term relationships with business owners and key decision-makers.

• Acquire and manage a portfolio of Business Banking/SME customers across the assigned market.

• Identify and acquire new business customers, including exporters, importers and high-value local businesses.

• Drive business across Current Accounts, Savings Accounts, Term Deposits, FX, Treasury and Remittance solutions.

• Develop opportunities across Trade Finance, including Letters of Credit, Bank Guarantees, SBLCs and Documentary Collections.

• Identify lending opportunities and generate referrals for commercial lending and other credit solutions.

• Manage existing relationships and drive cross-sell and up-sell opportunities.

• Conduct a 360-degree assessment of customer requirements and recommend appropriate banking solutions.

• Develop and maintain strong relationships with business owners, promoters and key stakeholders.

• Build the NR/NRI business book and generate referrals for UK and NRI personal banking solutions.

• Act as a referral channel for Private Banking and collaborate with internal banking teams.

• Generate new business through market research, networking, referrals, industry events and community forums.

• Develop and maintain a database of prospective customers and market opportunities.

• Achieve agreed targets for customer acquisition, revenue, portfolio growth and profitability.

• Support customer onboarding, including KYC, due diligence, risk clearance and internal approvals.

• Support the preparation of credit appraisal notes, asset reviews and waiver requests.

• Coordinate with Credit, Risk, Legal, Operations and Compliance teams for facility documentation and execution.

• Monitor existing customer relationships and proactively identify opportunities and risks.

• Maintain accurate CRM/relationship records, MIS and performance dashboards.

• Ensure compliance with KYC, AML, customer profiling, risk assessment and internal banking policies.

• Represent the Bank at relevant industry events and networking forums to generate new business opportunities.

• Previous experience in Business Banking, SME Banking, Commercial Banking or Relationship Management.

• Proven track record in customer acquisition and portfolio growth.

• Strong understanding of SME/business banking products and solutions.

• Experience with lending/credit and financial assessment.

• Good knowledge of Trade Finance, including:

  • Letters of Credit (LCs)

  • Bank Guarantees (BGs)

  • SBLCs

  • Documentary Collections

• Understanding of FX and Treasury products would be advantageous.

• Strong knowledge of KYC, AML and customer due diligence.

• Excellent communication, presentation, negotiation and networking skills.

• Strong commercial awareness and ability to identify new business opportunities.

• Self-motivated, target-driven and proactive.

• Strong stakeholder management and team collaboration skills.

• Willingness to travel within the assigned market as required.

We are seeking a commercially focused Business Banking Relationship Manager who can combine strong relationship management with business development and revenue generation.

The ideal candidate will be confident engaging with business owners and senior stakeholders and will have a strong understanding of the banking needs of SME and commercial customers.

If you have relevant Business Banking / SME Relationship Management experience and are looking for your next opportunity in Manchester, we would be interested in hearing from you.