Relationship Manager - BB in Newcastle Upon Tyne

Relationship Manager - Business Banking

Some careers offer brighter prospects than others.

If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

We are currently seeking an experienced individual to join this team in the role of Relationship Manager

Through Business Banking (BB) our global network offers comprehensive support and services to businesses in the SME market. From expanding overseas to managing the cash and trade flows of an established enterprise, the Business Banking team of Relationship Managers and Product Specialists provides a range of end-to- end solutions designed to help small and large businesses reach their potential

The role of the Relationship Manager - Business Banking is to acquire, retain and expand relationships with customers we want to bank within Business Banking. You will maximise profitability by identifying customer needs first and then recommending appropriate solutions for the customer to consider and accept. You will regularly meet with customers and will deal with business turnover of up to 15M GBP. You will provide dedicated relationship management with accountability for business development, service, risk and operational delivery. Credit risk assessment is a fundamental element of this role.

Your responsibilities will include:

• Face to face meetings with SME clients, with an average of 80-100 clients in portfolio. Portfolio value approx. £1m. SME clients with turnover £2-15m.
• Supporting customers and placing their needs at the forefront of all that we do, setting world class standards
• Seeking new opportunities and nurturing existing relationships to identify new business opportunities
• Building a network of business introducers in the local professional and business community
• Adhere to structures and processes in place for the management of credit, operational, reputation, financial crime and regulatory risk
• Focus on growing the business sustainably, by identifying opportunities to expand a portfolio and broadening client relationships by leveraging HSBC's extensive network
• Drive revenue growth through understanding customer needs and by adopting a needs-based approach which engages clients and increases new business
• Effectively manage work and support resources to increase quality and time of client visits opportunities
• Collaborate with Group colleagues to deliver appropriate needs-based solutions for customers
• Build a strong understanding of the client's business and industry to promote insights, enrich client conversations and deliver fair outcomes
• Deepen understanding of the client through pro-active credit risk assessments and customer due diligence reviews
• Confidently manage financial crime risk throughout the client lifecycle by identifying, assessing, accepting, monitoring, escalating and mitigating risk

The ideal candidate for this role will have:

• Commercial lending track record and technical ability. Analysis of corporate organisations and CARM/Browser main menu.
• Proven ability of complex lending with an average lend of 500K plus
• Experience working in relevant environment/s, i.e. Business/Corporate Banking
• Proven ability in identifying and meeting customer needs
• Proven experience of leading the delivery of an excellent customer service and proactively look for innovative ways to improve the service delivered to customers
• Built effective networks across business areas, developing relationships based on mutual trust and encouraging others to do the same 
• A comprehensive understanding of risk management and proven experience of ensuring own/others' compliance with relevant regulatory processes
• Ability to gather, analyse and interpret comprehensive information and/or customer requirements in order to provide solutions that are commercially viable and sustainable.
• Planning and organisational skills in order to manage the unexpected as well as anticipated issues or events, so that success can still be achieved
• Experience of building and managing complex relationships. Influencing skills and ability to builds positive working relationships with our customers, colleagues and stakeholders.
• The preferred base location for this role will be within the vicinity of Middlesbrough. It is a hybrid role with travel to Newcastle and York commercial centres / offices as required.

You’ll achieve more when you join HSBC.

As a business operating in markets all around the world, we believe diversity brings benefits for our customers, our business and our people. This is why HSBC is committed to being an inclusive employer and encourages applications from all suitably qualified applicants irrespective of ethnicity, religion, age, physical or mental disability/long term health condition, marital status, sexual orientation, gender identity, gender expression, genetic information (including characteristics and testing), military and veteran status, and any other characteristic protected by local law in the jurisdictions in which we operate. Within the work place you will have access to various employee resource groups which aim to promote and achieve a healthy work / life balance and support our diversity ambitions.  HSBC has in place processes in order to avoid nepotism, which means to avoid creating circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process.

When joining HSBC Commercial Banking UK, you will become a valued member of our team, we take the time to get to know you and there will be many tailored development opportunities along the way to support your career to grow as much as you want. We can offer you a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity, shared parental and adoption pay, and support when you return to work, and a contributory pension scheme with a generous employer contribution. But this is only the start, we work closely with our colleagues to understand their life balance needs and we support them with several schemes and initiatives. We can’t wait to tell you about our ways of working, wellbeing agenda and our healthiest human system!

You can find out more about the recruitment journey and what to expect by viewing our Recruitment Process FAQs in HR Direct and by clicking here (only available via internal access).

Recruitment Helpdesk:
Email: hsbc.recruitment@hsbc.com
Telephone: +44 2078328500