Corporate, Commercial & Retail Banking · related to Corporate Banking Analyst

Relationship Manager (Corporate & Business Banking)

BriefYour role

Also known as Bank account manager · Corporate banking manager · Relationship banking manager · Account manager SME

and 8 more

Account managers · Account managers SME · Bank accounts manager · Bank operations manager · Bank relationship manager · Banking accounts manager · Banking officer · Business banking officer

L3 salary: Not published yetSalary figures open with the salaries section.
Upcoming dated changes: 19 changes aheadNext: 1 Nov 2026
Where the changes come from
Each change in the Regulatory calendar comes from an official text, linked on its page.
A change affects this role directly when it names a process that is one of the role's main tasks.
Top critical skills: Credit analysis and creditworthiness
Financial statement analysis and ratios
Treasury and cash flow management

See all levels

What the role does

Relationship Manager (Corporate & Business Banking) is a role in Corporate, Commercial & Retail Banking. The family covers lending, relationship management and branch roles in banks. The core skill is credit analysis and creditworthiness, and the main work is credit risk and lending decisions, payments processing and treasury and cash management.

This is a brief profile written from the catalogue. A full profile with a day in the life, level descriptions and the effect of AI is being written.

Levels

L1 Starting out 0-2 years
L2 Independent 2-5 years
L3 Senior or specialist 5-9 years
L4 Leads a team or an area 8-14 years
L5 Leads the function 12+ years

Full level descriptions and job titles

The EFO level names are the common scale; job titles differ between employers.

Levels of Relationship Manager (Corporate & Business Banking)
Level	What the work looks like	Typical years	Typical job titles
L1 Starting out	Learns the job; executes defined tasks with supervision	0-2	Banks: Analyst, Junior Analyst, Associate (asset servicing), Trainee, GraduateAsset servicers: Junior, Specialist (entry), Officer
L2 Independent	Owns a process end to end; trains L1; first contact for the team's clients	2-5	Banks: Analyst / Senior Analyst, AssociateAsset servicers: Specialist, Senior Specialist, Senior Officer
L3 Senior or specialist	Deep expertise; handles exceptions and change; represents the function in projects	5-9	Banks: Senior Associate, AVP, Assistant ManagerAsset servicers: Senior Specialist, Expert, Team Lead (small team)
L4 Leads a team or an area	Manages people or a large process; owns budgets or controls; escalation point	8-14	Banks: VP, Manager, Senior ManagerAsset servicers: Team Lead, Manager, Head of Section
L5 Leads the function	Accountable for the function in a legal entity or region; sets priorities and standards	12+	Banks: Director, Executive Director, Managing Director, Head of functionAsset servicers: Head of Department, Director

Skills

The percentage is the skill's share of the role; the bars are drawn relative to the anchor skill, which is shown full.

Critical 5

The job cannot be done without these.

Credit analysis and creditworthinessWeight 13.3%Anchor skillExpected level: practitionerRelevant to you
Financial statement analysis and ratiosWeight 8.9%Expected level: practitionerRelevant to you
Treasury and cash flow managementWeight 8.9%Expected level: practitionerRelevant to you
Payment systems and messaging (SWIFT, ISO 20022, SEPA, ACH, UPI)Weight 8.9%Expected level: practitionerRelevant to you
Account management and renewalsWeight 8.9%Expected level: practitionerRelevant to you

Important and supporting skills 17

Important 8

Needed in most positions.

Reading client needs and dynamicsWeight 4.4%Expected level: practitionerRelevant to you
Commercial negotiationWeight 4.4%Expected level: practitionerRelevant to you
Financial markets knowledgeWeight 4.4%Expected level: practitionerRelevant to you
Advanced Microsoft ExcelWeight 4.4%Expected level: practitionerRelevant to you
Verbal communication and presentingWeight 4.4%Expected level: practitionerRelevant to you
Anti-money laundering regulationWeight 4.4%Expected level: practitionerRelevant to you
Commercial acumen and business senseWeight 4.4%Expected level: practitionerRelevant to you
FX risk and hedging instrumentsWeight 4.4%Expected level: practitionerRelevant to you

Supporting 6

Help in many positions.

Know your customer due diligenceWeight 2.2%Expected level: working knowledgeRelevant to you
Professional written communicationWeight 2.2%Expected level: working knowledgeRelevant to you
Client service mindsetWeight 2.2%Expected level: working knowledgeRelevant to you
Risk judgment and escalation instinctWeight 2.2%Expected level: working knowledgeRelevant to you
Derivatives and how they workWeight 2.2%Expected level: working knowledgeRelevant to you
Building a commercial proposalWeight 2.2%Expected level: working knowledgeRelevant to you

Useful 3

Occasionally useful.

Querying data with SQLWeight 0.7%Expected level: working knowledgeRelevant to you
Conduct and investor protection rules (MiFID II, FINRA, SEBI)Weight 0.7%Expected level: working knowledgeRelevant to you
Persuasion and influenceWeight 0.7%Expected level: working knowledgeRelevant to you

Processes

The work the role takes part in.

What each process covers

Credit risk and lending decisionsMainAssessing borrowers, setting limits and provisioning for expected losses.
Payments processingMainExecuting, routing and settling payments (SEPA, instant payments, SWIFT).
Treasury and cash managementMainManaging cash, funding and currency risk for the firm or its clients.
AML transaction monitoringSupportingDetecting and reporting suspicious activity.

Dated changes for this role

1 Nov 2026Swiss SIC participants must receive instant paymentsRelevant to you
20 Nov 2026Second Consumer Credit Directive appliesRelevant to you
28 Nov 2026TARGET Services November 2026 releases moved to 28 November 2026Relevant to you
31 Dec 2026Digital euro regulation in final negotiationsRelevant to you
31 Dec 2026Legal tender of euro cash regulation in negotiationsRelevant to you

Worth knowing

Changes that touch a process this role takes part in as a secondary task.

28 Feb 2027UK cryptoasset regime: application window and start date
1 Jul 2027AMLA selects banks and firms for direct EU supervision
10 Jul 2027EU Anti-Money Laundering Regulation starts to apply

See all 22 in the Regulatory calendar

Salary snapshot

Salary figures are not published yet

The L3 salary range for this role, with its sources, will appear here when the salaries section opens.

Certifications

CFA Program Level I CFA Institute
ACCA Qualification ACCA

Concepts to know

All 10 concepts

Neighbouring roles

Roles that need many of the same skills, by weighted skill overlap, with the skills you would need to add.

Corporate Banking Analyst

96% skill overlap

Your role

Transaction Banking Analyst

75% skill overlap

To add: Cash management and transaction banking products, Trade finance instruments (letters of credit, guarantees, collections), Correspondent banking and financial institutions coverage

Your role