Senior Relationship Manager, Business Banking UK

Job Title: Senior Relationship Manager, Business Banking UK

Industry: Banking

Location: United Kingdom

Salary: £80K £90K (Depending on Experience)

Job Purpose

• Manage and grow a portfolio of Business Banking and Trade Finance clients across African and OECD markets.
• Originate, structure, and manage new and existing client relationships to drive growth in assets, liabilities, and trade income.
• Identify cross-selling opportunities in trade, deposits, and FX within client portfolios.
• Support the Banks strategic objectives in expanding Trade and Business Banking operations in collaboration with teams in Accra and the UK.

Key Responsibilities

• Lead relationship management for Business Banking and Trade Finance clients.
• Originate and structure credit facilities to achieve revenue and growth targets.
• Conduct regular client calls and maintain reports in Salesforce.
• Prepare and maintain annual account and portfolio plans.
• Ensure KYC and compliance documentation are current and complete.
• Collaborate with Credit Risk, Credit Administration, and Operations for smooth transaction execution.
• Monitor portfolio quality, identify risks, and implement mitigation actions.
• Mentor Relationship Managers and provide guidance on client management and credit matters.
• Generate management reports and track performance metrics.
• Develop strategies to grow low-cost deposits, trade assets, and FX income.
• Track competitor activities and identify new business opportunities.
• Act as first line of defence in managing AML, CDD, and financial crime risks.
• Uphold ethical conduct, professionalism, and compliance with Bank policies.

Skills and Competencies

• Strong leadership, interpersonal, and communication skills.
• Proven expertise in Trade Finance and Business Banking products.
• Excellent relationship management and negotiation skills.
• Strong credit and risk analysis capability.
• Strategic business development mindset and commercial acumen.
• Team player with the ability to work across regions and departments.
• Sound understanding of regulatory and compliance frameworks.

Experience

• 710 years experience in Business or Corporate Banking.
• At least 5 years in a client-facing role with portfolio management responsibilities.
• Hands-on experience in International Trade Finance and related instruments (LCs, guarantees, collections).
• Proven success in generating new business and achieving growth targets.
• Experience engaging directly with exporters/importers on trade documentation and transactions.

Qualifications

• Bachelors degree in Business, Finance, Economics, or related field.
• Professional or postgraduate qualifications (e.g., ACIB, CFA, ACT, MBA) preferred.

IT Skills

• Proficient in Microsoft Office (Word, Excel, PowerPoint, Outlook).
• Working knowledge of Core Banking systems and Salesforce CRM.

Maintenance of Job Description

• Reviewed periodically by the line manager and role holder.
• Updated as required to reflect changes in responsibilities or business priorities.
• Final copies to be submitted to Human Resources for record-keeping.