Associate Relationship Manger Real Estate & Housing
Posted 16 days ago
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Associate Relationship Manager supporting Commercial Banking Coverage teams with a focus on Real Estate investment and development clients. You will work alongside Relationship Managers and Directors to manage lending journeys (typically £3m–£25m), support credit and onboarding, handle risk and compliance, and help grow multi-product client relationships. The role is hybrid and involves client engagement, portfolio management, and collaboration with internal product partners to deliver tailored solutions.
- Compensation
- £39,825 – £44,250 GBP
- City
- Reading, Crawley, Guildford, Slough
- Country
- United Kingdom
Currency: £ (GBP)
Full Job Description
End Date
Monday 02 February 2026Salary Range
£39,825 - £44,250We support flexible working – click here for more information on flexible working options
Flexible Working Options
Hybrid Working, Job ShareJob Description Summary
.Job Description
JOB TITLE: Associate Relationship Manager
LOCATIONS: Reading, Crawley, Guildford, Slough
SALARY: £39,825 to £44,250
HOURS: Full-Time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week or 40% of your time at one of our office sites
About the Role
We’re seeking an Associate Relationship Manager (ARM) to provide support for a significant portfolio within our Commercial Banking Coverage teams, primarily comprising Real Estate clients, both investment and development.
Working alongside the Relationship Managers (RM) and Relationship Directors (RD), you’ll help deliver excellent service and tailored solutions to meet our clients’ goals. The clients’ requests for lending typically fall between £3m to £25m.
You’ll play a key role in building long-term, multi-product relationships— leading on the switcher strategy, ensuring funds are with clients quickly, handling risk, and deepening client engagement. This is a dynamic role where no two days are the same, ideal for someone who thrives in a fast-paced environment and is passionate about putting customers first.
What you'll be doing
Client Engagement: Join client meetings virtually or in person, prepare agendas, and follow up. Proactively communicate via phone and email, including updates on rates, fraud alerts, and events. Use LinkedIn to promote the Lloyds Relationship Management profile.
Portfolio Management & Growth: Proactively manage the lending journey to ensure smooth & quick completions. Support RMs and RDs in identifying and attracting high value clients. Help grow our existing portfolio by spotting opportunities to expand product holdings and identify new opportunities.
Risk & Compliance: Use your basic knowledge of financial accounts to help assess client needs, support credit proposals and manage risk with existing clients. Proactively support areas like Credit monitoring, OKYC, and financial analysis making informed recommendations.
Credit & Onboarding: Assist with credit reviews, facility changes, onboarding, and help prepare credit proposals and tender submissions.
Organisation & Efficiency: Prioritise your workload, manage your diary and inbox, and handle queries and data analysis. Help improve our processes, identifying ways to make things better for clients and colleagues.
Collaboration & Insight: Work with internal teams and product partners to deliver tailored solutions and stay informed on sector developments to support client engagement and inform future strategy.
Why Lloyds Banking Group
If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.
What you'll need
We’re looking for someone who’s proactive, organised, and passionate about delivering great client outcomes. Ideally, you’ll bring:
Experience in a customer-facing role within financial services
Confidence in building and maintaining strong internal and external relationships
Ownership of complex queries, with strong problem-solving skills and persistence
An understanding of Real Estate lending processes, including valuations, security, the legal journey, and the end‑to‑end lending process
Strong organisational and time management skills, with the ability to juggle shifting priorities
Proficiency in Microsoft 365 tools, especially Outlook and Excel
A strong sense of ethics and integrity coupled with awareness of risk and experience in identifying and handling it appropriately
Clear written and verbal communication skills across all levels
Self-motivated in terms of your own Development, taking ownership for ongoing personal growth
And any experience of this would be really useful:
Experience in Business & Commercial Banking
Proficient in using systems such as BOLT, PEGA and Co-Pilot
About Working For Us
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.
We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.
We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.
We also offer a wide-ranging benefits package, which includes:
A generous pension contribution of up to 15%
An annual performance-related bonus
Share schemes including free shares
Benefits you can adapt to your lifestyle, such as discounted shopping
28 days’ holiday, with bank holidays on top
A range of wellbeing initiatives and generous parental leave policies
This is a once in a career opportunity to help shape your future as well as ours. Join us and grow with purpose!
At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.
