Relationship Manager Real Estate & Housing

JOB TITLE: Relationship Manager Real Estate & Housing
LOCATION(S): England East Region - Northampton, Peterborough and Cambridge

SALARY: Competitive package
HOURS: Full Time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of your time, in the office.

About this opportunity

We're passionate about looking after our customers. Are you? If so, we could be a great fit!

We have an exciting opportunity to join our highly successful Business & Commercial Banking Real Estate team in the England East Region, providing outstanding support for businesses within the Real Estate and Housing sector.

You'll manage a defined portfolio of ‘SME’ client relationships within the Real Estate sector, delivering a great client experience, whilst identifying opportunities to grow income, balance sheet & market share.

Working in partnership with the Client Relationship Team, you'll build powerful internal & external networks to bring the whole bank to the client. The majority of your time will be taking care of existing clients (allowing time for preparation and follow up), prospects and introducers.

Your responsibilities will include:

• Accountable for growing income, balance sheet and client numbers, whilst also managing any associated risks.
• Managing a portfolio of client relationships with a focus on the Real Estate sector.
• Identifying client needs and developing client strategies to meet those needs, leveraging product, coverage and support teams where relevant. Undertaking lending assessments and implementing appropriate client solutions.
• Responding to client’s key moments of truth including lending which cannot be fulfilled by the Client Relationship Team.
• Ensuring the balance between risk and reward is effectively managed ensuring that all lending and contingent liabilities meet the Bank’s asset quality and policy requirements.
• To be seen as the “go to” banker in their geographic area of responsibility. Maintaining a high profile with external influencers and the local business community to achieve the Bank’s stated aim of being the best bank for clients.
• Creating and utilising an effective partnership with pooled support in the Client Relationship Team.
• Positively promoting the Bank’s image and working closely with Business Development, Product Partners and others to develop new business opportunities.
• Ensuring activities comply with internal and external polices (including credit), asset quality, standards, reporting, legal, statutory and/or regulatory requirements.

Why Lloyds Banking Group?

If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.

What we need from you?

• You'll have extensive Commercial/Relationship Banking experience with a strong lending capability; able to assess to credit risk of the corporate client.
• You'll also need to demonstrate how you're wired into local networks with extensive connections in the professional space and use these for business development opportunities.
• You'll be highly proficient at building and maintaining productive relationships with external professionals and adept at winning good volumes of higher value new client relationships.
• You'll use your specialist credit and sector knowledge along with all available digital tools to deliver excellent client experiences whilst identifying ways to grow income, balance sheet and market share and handling associated risks.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. 

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

We also offer a wide-ranging benefits package, which includes:

• 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.

Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more!