Relationship Manager, SME Banking

Role Overview

Manage and grow a portfolio of business banking clients by understanding the needs of business owners and connecting them with suitable banking and wealth solutions. The role combines client acquisition, relationship development, and portfolio oversight to support sustainable income while protecting credit quality and meeting the bank’s risk and compliance standards.

Key Responsibilities

• Build a pipeline of prospective clients, pursue referrals and other leads, develop suitable proposals, document client interactions, and convert opportunities into active relationships.
• Retain and expand the business banking portfolio by identifying clients’ changing funding, cash management, working capital, transaction banking, and risk management needs.
• Increase revenue and share of wallet through relevant cross-selling, including wealth solutions for business owners and their families.
• Work with Wealth colleagues to develop referrals and opportunities involving succession planning, family business continuity, and intergenerational wealth.
• Monitor portfolio performance and pursue growth while applying sound credit judgement and maintaining appropriate risk-adjusted returns.
• Provide timely, informed service and advice, taking a proactive approach to client follow-up and relationship management.
• Follow applicable credit, compliance, and operational risk controls, and work within the bank’s governance requirements.
• Track market and sector developments, using product knowledge and commercial insight to identify relevant opportunities and risks for clients.

Requirements & Qualifications

• Relevant experience in business banking, commercial banking, or wealth management; a proven record of originating, managing, and growing business-owner relationships is valued.
• Demonstrated ability to develop business with owners, company promoters, and senior decision-makers, and to turn client needs into appropriate banking or wealth solutions.
• Good understanding of wealth products, cash management, and working capital solutions. Experience advising corporate clients and family businesses is particularly relevant.
• Strong relationship management, sales, communication, and problem-solving skills, with the credibility to engage clients and internal stakeholders effectively.
• Sound commercial judgement, market awareness, and the ability to assess sector opportunities and risks while balancing growth, compliance, and client experience.
• Ability to make considered decisions, collaborate across coverage and product teams, and work effectively in an international, fast-moving environment.
• Investment banking experience in areas such as structuring, advisory, capital raising, or complex deal execution is preferred.
• A relevant degree in Business, Finance, Economics, Banking, or a related discipline. Chartered Institute for Securities & Investment Part 1 and Part 2 qualifications are an advantage.
• Consistently professional conduct and a commitment to the bank’s expected behaviours.