Relationship Manager – Commercial / SME BankingLocation: Southall, LondonDepartment: Branch BankingReporting to: Relationship & Branch ManagerWe are seeking an experienced and commercially driven Relationship Manager to join a busy Southall branch. This is a key role focused on managing and growing a portfolio of Commercial and SME clients, driving profitable volume growth while maintaining robust credit oversight and regulatory standards.The role offers strong exposure across lending, deposits, trade and FX referrals, and Islamic finance solutions within a structured, performance-led banking environment.The RoleYou will manage an assigned portfolio of Commercial / SME customers, delivering value-added sales and high-quality service while identifying new business opportunities.A key aspect of the role is maintaining portfolio health — identifying early warning signs, managing renewals proactively, and ensuring all lending is in line with policy and risk appetite.Key ResponsibilitiesManage and grow a portfolio of Commercial / SME clientsBuild strong client relationships through proactive networking and meetingsIdentify cross-sell opportunities including Trade, FX and Islamic finance solutionsEnsure adherence to Treating Customers Fairly (TCF) principlesCommercial GrowthDeliver targeted asset and deposit growthStructure and negotiate client proposals for lending and depositsSubmit high-quality credit applications to internal credit teamsDisburse lending in line with agreed branch targetsCredit & ControlManage credit renewals within policy and timescalesMonitor excesses and key risk indicators across the portfolioEnsure Enhanced Due Diligence requirements are completedMaintain strong compliance oversight in line with FCA/PRA standardsManage SLAs for account openings and documentationBranch & Team ContributionSupport junior RMs / RSOs with complex credit queriesPrepare and present cases to Credit Committees where requiredContribute to MI, governance reporting and branch initiativesChampion strong diary management and pipeline disciplineRequirementsMinimum 5 years’ experience in a Relationship Manager or equivalent banking roleStrong Commercial / SME lending experienceProven ability to grow assets and depositsSolid credit analysis and proposal writing skillsExperience presenting cases to Credit CommitteesStrong understanding of regulatory and conduct requirementsLine management or mentoring experience would be advantageous.Financially astute and numerateStrong relationship management and negotiation skillsConfident communicator with excellent presentation abilityStrong knowledge of core banking products and processesHighly organised with disciplined pipeline managementWhat We’re Looking ForCommercially focused and target-drivenStrong risk awareness and portfolio disciplineHigh integrity and regulatory accountabilityAbility to balance business growth with credit qualityConfident operating in a structured, performance-led branch environment #J-18808-Ljbffr