Overview
You’ll take end-to-end ownership of a high-profile SME client portfolio in the Gloucestershire area, managing relationships with actively trading businesses typically turning over between £3m and £10m. This is a strategically important portfolio with strong growth potential, where you’ll be accountable for portfolio management, income, lending, risk and relationship outcomes, focusing on keeping existing business, deepening client relationships and building long-term client confidence. Acting as the face of Lloyds Bank, you’ll develop strong relationship management capability by building trusted partnerships with existing and new SME clients across sectors such as professional services, manufacturing, wholesale, distribution, construction and hospitality. You’ll take time to understand each client’s business model, ambitions and challenges, proactively identifying opportunities to deliver Commercial Banking solutions including lending, working capital and cashflow facilities, payments, deposits and cards, ensuring every interaction adds clear customer value. A key expectation, alongside managing your portfolio, is that you’ll play an active role in originating and winning new-to-bank business through relationship-led business development, prospecting and strategic outreach. You’ll build a strong internal and external network, working closely with Group Partners and specialist teams to bring the full breadth of the Bank to your clients and deliver tailored, joined-up solutions. You’ll also manage the credit and risk profile of your portfolio, undertaking credit assessments, preparing credit proposals and making risk-aware recommendations in line with policy and appetite. As a trusted advisor, you’ll support clients with wider risk considerations, including ESG priorities and their journey towards Net Zero, balancing strong commercial judgement with disciplined risk management in a region where high-quality client relationships truly matter.
Responsibilities
- At least 2 years’ experience in Commercial or Corporate Banking, managing SME or trading-business clients.
- A proven track record of originating and/or winning new business or playing a material role in deal execution within a competitive Commercial Banking environment.
- Strong portfolio and relationship management skills, with the ability to build trusted client relationships and influence customers and external partners.
- Solid credit and risk capability, including experience assessing credit proposals, preparing credit papers and making sound, policy-aligned recommendations.
- Confident communication and negotiation skills, with a working understanding of commercial terms and lending documentation.
- We recognise that great talent comes from many backgrounds; if you have relevant, transferable experience, you are encouraged to apply.
Qualifications
- Experience in Commercial or Corporate Banking with SME/trading-business client portfolios.
- Ability to originate, develop and close opportunities in a competitive banking environment.
- Strong credit assessment, risk judgement and ability to prepare and present credit proposals.
Benefits
- A generous pension contribution of 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, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
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