Northreach
Commercial Lending Relationship Manager

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Commercial Lending Relationship Manager
Location: South Wales / Hybrid 1 day a week
The opportunity
Northreach is partnering with an established financial services business to appoint a Commercial Lending Relationship Manager.
This is a relationship-led commercial role focused on generating new business, managing key client relationships, and supporting property-backed lending transactions.
You will manage opportunities throughout the lending lifecycle—from initial enquiry and financial assessment through to credit approval, documentation, and completion. This role would suit someone who combines strong business-development skills with a sound understanding of commercial lending, credit, and risk.
What you’ll be doing
- Identify and develop new commercial lending opportunities.
- Build long-term relationships with borrowers, brokers, and professional introducers.
- Manage and grow a portfolio of commercial lending clients.
- Assess potential lending opportunities, including financial information, credit profiles, and underlying security.
- Structure property-backed lending facilities within agreed policies and risk parameters.
- Prepare clear and detailed proposals for internal credit approval.
- Present and support lending opportunities throughout the decision-making process.
- Negotiate terms and progress transactions from initial enquiry through to completion.
- Review lending documentation to ensure accuracy and completeness.
- Maintain a strong understanding of market conditions and competitor activity.
- Monitor portfolio performance and identify potential risks or growth opportunities.
- Collaborate with credit, operations, and other internal teams.
- Provide a high standard of service throughout the client journey.
- Contribute to the continued development of lending products, processes, and commercial strategy.
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About you
You will ideally bring:
- At least three years’ experience within commercial lending, property finance, or a related area.
- Knowledge of commercial property investment and development lending.
- Experience developing relationships with borrowers, brokers, or professional introducers.
- A proven ability to generate and convert new business opportunities.
- Experience reviewing financial information and assessing lending proposals.
- An understanding of credit underwriting and lending documentation.
- Experience preparing proposals or credit papers for internal approval.
- Strong commercial, analytical, and numerical capabilities.
- Confident communication, presentation, and negotiation skills.
- The ability to manage multiple transactions and stakeholders effectively.
- A proactive, self-motivated, and relationship-led approach.
- The ability to work effectively in a flexible and agile environment.


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Nice to have
- Specialist property lending.
- Residential property development finance.
- Managing an existing commercial loan portfolio.
- Structuring more complex property-backed lending facilities.
- An established network of brokers, property investors, developers, or other professional introducers.
- Experience working within a regulated financial services environment.
You do not need experience across every area listed. The business is particularly interested in commercially driven relationship managers who can develop new opportunities while maintaining a considered approach to credit, risk, and customer service.
What’s on offer
- £5,000 annual car allowance.
- Hybrid and flexible working. 1 day a week.
- The opportunity to manage and develop a commercial lending portfolio.
- A visible role with direct involvement in the organisation’s continued growth.
- The autonomy to build strong relationships across the commercial property market.
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