Lloyds Banking Group
SME Relationship Director
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SME Relationship Director – Cardiff
Driving sustainable businesses, one relationship at a time
Job Title
SME Relationship Director (Full-time, Permanent)
Key Details
- Location: Cardiff
- Hours: Full-time, with a Hybrid Working model (1 day/week or 20% office attendance + 20% client-facing)
- Salary: £85,493 – £100,580 per annum (competitive package available)
- Closing Date: Tuesday 14 July 2026
- Flexible Options: Job sharing – view all available flexible working arrangements
About the Role
At Lloyds Banking Group, we’re on a mission to shape the future of finance for good. We’re seeking a passionate and driven SME Relationship Director to join our high-performing Commercial Banking team, where you’ll build trusted, long-term relationships and drive growth for businesses from turnover £10m–£50m.
As the face of Lloyds for your clients, you’ll be the key advisor who understands their ambitions—designing tailored strategies and solutions that support their success while growing our bank’s income, balance sheet, and market share.
Your Day-to-Day Responsibilities
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Client Portfolio Ownership:
- Manage a defined portfolio of SME clients, offering seamless banking experiences across lending, deposits, payments, and day-to-day financial services.
- Develop client strategies, identifying growth opportunities and providing industry-specific expertise.
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New Business Growth:
- Proactively identify and win new-to-bank opportunities, leveraging your network and market engagement skills.
- Strengthen the bank’s presence in the Cardiff SME sector through strategic relationships and referrals.
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End-to-End Service Delivery:
- Collaborate with internal product specialists and coverage teams to deliver a joined-up service—connecting clients with expert solutions.
- Act as a bridge between clients and the bank’s full capability, ensuring a holistic financial partnership.
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Risk & Compliance:
- Conduct lending assessments and structure financially sound solutions within Lloyds’ risk appetite.
- Ensure all portfolio exposures align with credit policies and regulatory requirements.
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Relationship Management:
- Build and maintain strong networks—both externally (with clients, influencers, and local commercial partners) and internally (across the bank and wider ecosystem).
- Become the go-to advisor in your region, earning recognition as an expert in SME banking.
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Stewardship:
- Advise clients on growth strategies, financial health, and operational improvements—because we’re in this to make their businesses prosper.
What We’re Looking For
You’ll need a blend of driving energy, strategic insight, and relationship intelligence. Here’s what stands out to us:
- A Track Record of Winning New Business in competitive environments across commercial/corporate banking.
- Deep Understanding of the SME Market (especially in Cardiff)—who your seasoned contacts are, where opportunities lie, and how to bring them into the bank.
- Creativity and Confidence in crafting bespoke solutions—balancing creativity with commercial acumen.
- Risk-Savvy Decision-Maker: Handling proposal evaluations and negotiating terms with legal and credit expertise.
- Boundary Spans:
- Technical: Proficient in legal documentation and risk frameworks.
- Interactional: Sharp communication for close-knit networks, stakeholders, and regulatory teams.
- Stakeholder Focus: Ability to translate client needs into actionable banking strategies.
Why Lloyds Banking Group?
Make Meaningful Impact
We’re not just driving profit—we’re building a financial ecosystem where businesses (especially SMEs) thrive. By shaping your clients’ growth, you’ll make a tangible difference—changing lives through managing cash flow, modernising operations, and expanding opportunities.
Grow With Us
- Projects: Partner on initiatives transforming SME digital engagement, sustainable financing, and local community support.
- Scale: The reach means your skills span from local commercii heights to national banking leadership.
- Reader: Everyone has the chance to climb ladders here—our career.progress ensures top-tier learning and mentorship.
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A Positive Difference:
- Hybrid + Selection in how you want to work (from office days and client engagements to homerelkins with flexibility).
- Integration: Inclusive culture with personalised support for neurodivergence, disabilities, and long-term health conditions—from office-friendly adjustments to wellness initiatives.
- Sustainability: Our initiatives—from supplying businesses in the net-zero transition plan to first-year on electrovering our last fleet—align our values with your ambition.
Perks
We believe a balanced life fuels outstanding work: ✅ £85,493–£100,580 base salary (package enhanced with Location Prevke) ✅ 15% match into the company pension for long-term security ✅ Competitive bonus for meeting success targets ✅ Share schemes including voting shares—get equity in our future. ✅ Exclusive benefits—be valuable reward cards and perks beyond shopping discounts ✅ 36 days’ holiday, plus bank holidays (because rest maintains mental health!). ✅ Investment in you: Learning resources and national conference spots for industry best practices.
Diversity—Our Strength
We’re dedicated to *ledership in diversity *. We set goals to reprioritise senior roles and offer state-of-the-art support like our:
- Menopause Health Package
- Adjustments for disability
- Cancer-support initiatives
- Interview guarantees, where disabled candidates with met minimums get consideration.
What’s Next?
Ready to make a difference?
👉 Apply Today – Your last start in SME-focused banking leadership.
Interested in flexible options? Explore hybrid and job-sharing possibilities here: Flexible Working Options.
📧 Move forward: Career queries? Email [careers@lloydsbanking].
Together, we drive prosperity. Join us in shaping the future of finance.
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