Location: London
Employment Type: Permanent | Full-Time
Salary: Up to £70,000
Working Pattern: Onsite - 5 days per week (no hybrid working)
About the Role
We are seeking an experienced Senior Relationship Manager (Intermediary) to drive profitable growth across the Commercial and SME portfolio through a strong intermediary-led business model. This role is responsible for originating new business, managing existing intermediary relationships, and overseeing a diverse corporate credit portfolio while maintaining high standards of risk management, service delivery, and regulatory compliance.
Reporting to the Head of Islamic Banking & Intermediary Business, the successful candidate will play a key role in expanding intermediary partnerships, identifying early warning signals within portfolios, and maximising profitability through value-added solutions.
Key Responsibilities
Relationship Management & Business Development
Manage and grow relationships with commercial clients ranging from SME to Corporate.
Develop and maintain strong partnerships with intermediaries to generate new business opportunities.
Drive revenue, asset growth, and cross-selling opportunities across commercial, FI, and private banking products.
Execute a structured calling and meeting programme to identify customer needs and deliver tailored solutions.
Corporate Portfolio & Credit Management
Manage a portfolio of corporate credit accounts with varying turnover and exposure levels.
Prepare and review credit proposals, including detailed balance sheet, income statement, and cash flow analysis.
Monitor account performance, payment behaviour, and portfolio health.
Conduct regular client visits to strengthen relationships and enhance account profitability.
Monitoring, Reporting & Documentation
Ensure facility documentation and account records remain accurate and up to date.
Monitor credit utilisation, business volumes, TR maturities, and PAD retirements.
Provide regular MIS and performance updates to senior management.
Remedial & Risk Management
Identify early warning indicators and proactively escalate concerns.
Follow up on overdue accounts and coordinate transfer to Recovery where required.
Provide full documentation and ongoing support to recovery teams.
Team Development & Leadership
Advise and guide Assistant Relationship Managers on routine and complex matters.
Line-manage junior support staff and Relationship Support Officers where applicable.
Support team development through coaching, feedback, and performance management.
Customer Service & Stakeholder Engagement
Act as a key point of contact for intermediaries and clients, ensuring timely and effective responses.
Handle complex customer queries and complaints professionally.
Ensure customer data accuracy and compliance with internal procedures.
Represent the organisation positively with clients, intermediaries, and internal stakeholders.
Projects & Continuous Improvement
Contribute to special projects and initiatives as assigned.
Identify process gaps and recommend improvements to enhance efficiency and control.
Participate actively in team meetings, training, and professional development.
Regulatory & Conduct Responsibilities
Comply with all FCA and PRA Conduct Rules and Certification Regime requirements.
Act with integrity, skill, care, and diligence at all times.
Ensure effective control, compliance, and oversight within areas of responsibility.
Promote fair customer outcomes and sound market conduct.
Experience & Qualifications
Minimum 5 years' experience in a Relationship Manager or Senior Relationship Manager role within banking.
Strong background in commercial lending, intermediary banking, and portfolio management.
Proven experience in credit analysis, customer relationship management, and negotiation.
Line management experience preferred.
Commitment to ongoing Continuing Professional Development (CPD) and regulatory training.
Key Skills & Competencies
Commercial and SME Banking Expertise
Intermediary Relationship Management
Credit & Financial Analysis
Regulatory & Conduct Risk Awareness
Negotiation & Stakeholder Engagement
Customer Service Excellence
Strong Numerical & Financial Acumen
Salary description
£70000.00 - £70000.00 per year