Lloyds Banking Group is a UK financial services organisation operating across banking, finance, and fintech. Its portfolio includes Lloyds Bank, Bank of Scotland, and Halifax, serving individuals, businesses, and communities with financial products and services. The group focuses on supporting financial wellbeing, sustainable growth, housing, and responsible business, guided by its purpose of helping Britain prosper.
Agriculture SME Relationship Manager
Manage relationships with around 100 agricultural client groups for Lloyds Banking Group, helping UK businesses assess financing options and grow sustainably. The role combines client meetings, credit risk management and tailored banking support.
Description
- Oversee a portfolio of approximately 100 agricultural client groups.
- Meet about seven clients each week, in person and through Microsoft Teams.
- Learn how clients’ businesses operate, spot emerging needs and help them weigh their options.
- Build and sustain trusted relationships with agricultural clients.
- Tailor support to each client’s business needs and financial goals.
- Spot opportunities to strengthen relationships with relevant products and services.
- Bring in product specialists when their expertise is needed.
- Evaluate and manage credit risk.
- Prepare credit papers for new lending facilities and renewals using the Bank’s established tools.
- Help clients explore ways to make their businesses more sustainable, in keeping with the Group’s environmental, social and governance responsibilities.
- Coordinate with service and delivery colleagues to resolve requests and explain available service options.
- Represent the Group in discussions with professional partners and intermediaries.
- Encourage collaboration and use of tools that improve experiences for clients and colleagues.
- Serve as the main banking contact in the assigned geographic area and support the Bank’s goal of being the best bank for clients.
Requirements
- Available to work full time.
- Proven success winning new business in a competitive corporate or commercial banking environment.
- An established network in the local Cardiff commercial market.
- Able to prepare clear, accurate credit papers for new lending facilities and renewals using established policies and tools.
- Able to assess and manage credit risk, weigh potential value against business outcomes and identify emerging issues.
- Able to assess information objectively, find gaps or underlying causes and reach practical, evidence-based conclusions.
- Able to work effectively with product specialists, service colleagues, professional partners and intermediaries.
- Experience applying knowledge of financial products and services to help business clients assess suitable options.
- Able to maintain a strong presence among external influencers and the local business community.
- Willing and able to work in a hybrid pattern, spending at least two days per week or 40% of working time at an office.
Benefits
- Pension contributions of up to 15%.
- Annual performance-related bonus.
- Share schemes, including free shares.
- Lifestyle benefits such as discounts on shopping.
- 30 days of annual leave, plus bank holidays.
- Wellbeing initiatives and generous parental leave policies.
- Flexible working options, including hybrid working and job sharing.
- Reasonable workplace adjustments, including flexibility around office attendance, location and working patterns.
- Professional development and opportunities to learn and progress.