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Relationship Manager - Commercial & SME Banking Location: South London (Fully Office-Based) Salary: £45,000-£50,000 per annum About the Role We are seeking an experienced Relationship Manager to join our Branch Banking team. This role focuses on driving profitable growth by providing high-quality relationship management to Commercial and SME clients. You will own a designated portfolio, manage credit needs, identify new opportunities, and ensure exceptional customer outcomes. This is a key position for an ambitious banking professional who can balance portfolio growth with robust risk awareness, early warning identification, and strong adherence to regulatory standards. Key Responsibilities Customer & Portfolio Management Manage and grow a portfolio of Commercial/SME clients. Conduct regular customer meetings, networking, and business development activities. Ensure all customer interactions follow TCF (Treating Customers Fairly) guidelines. Handle targeted account opening volumes and refer clients for Trade, FX, or Islamic banking products where appropriate. Commercial Growth Achieve asset and deposit growth targets for the branch. Prepare and negotiate customer credit proposals. Submit credit papers and account-opening documents to internal approval teams. Support the disbursement of lending in line with business objectives. Control & Compliance Manage credit renewals in accordance with policy and deadlines. Monitor compliance-related transactions and ensure Enhanced Due Diligence (EDD) is completed. Track excesses and Key Risk Indicators across all key accounts. Ensure branch SLAs are achieved for account opening and ongoing servicing. Team & Branch Support Coach and support junior RMs/RSOs to achieve KPI expectations. Assist in preparing MI, meeting materials, presentations, and business development reporting. Contribute to branch-related projects, planning, data analysis, and championing operational initiatives. Provide support to interns and new joiners where required. Regulatory Conduct Adhere to the FCA and PRA Conduct Rules at all times, demonstrating integrity, skill, diligence, and commitment to delivering good customer outcomes. Maintain compliance with the Certification Regime, conduct risk standards, and internal policy frameworks. Experience & Requirements Minimum 5 years' experience in a Relationship Manager role within the banking sector (Commercial/SME preferred). Strong understanding of credit processes, risk management, and commercial banking products. Evidence of ongoing CPD and professional qualifications (or commitment to obtaining them). Demonstrated competence in: Relationship management & customer service Financial analysis & credit understanding Regulatory knowledge Staff development & coaching Excellent presentation, communication, and negotiation skills. Confident, proactive, and capable of managing a busy diary and diverse workload. What We Offer Competitive salary of £45,000-£50,000 Professional development and ongoing certification support A collaborative, office-based working environment in South London The opportunity to influence branch commercial performance and build strong corporate relationships If you are a driven Relationship Manager with strong commercial expertise and a passion for exceptional client service, we'd love to hear from you. Apply today

Clorox is the place that’s committed to growth – for our people and our brands. Guided by our purpose and values, and with people at the center of everything we do, we believe every one of us can make a positive impact on consumers, communities, and teammates. Join our team. #CloroxIsThePlaceYour role at Clorox:As the Accounting and Controls Manager for the Europe business unit, you will lead and manage various aspects of the monthly and quarterly accounting close processes, both the statutory (IFRS) legal reporting and the US GAAP reporting requirements of our legal and management entities. In this role, you will also lead the implementation, monitoring and maintenance of effective internal controls within the organization, manage the external audit and support management reporting and analysis for the Europe business unit of The Clorox Company. This role is a strong operational accounting and reporting role. This position reports to AMEA Regional Controller with a dotted reporting to Europe Finance Director. This position has three direct reports.In this role, you will:Maintain timely and accurate recording of all accounting transactions for the Europe legal entities. Ensure compliance with local tax laws and regulationsLead the month-end financial closing in NetSuite for the Europe business unitManage the recording of accounting entries and accruals to ensure accurate recording of financial information in accordance with UK and US GAAP.Develop and maintain financial policies and procedures in line with Corporate policies and best practice to minimize the risk of fraud or insufficient controlsWork closely with Customer Service team on the seamless execution of the Order to Cash process. In particular, ensure that all Key Accounts financial deductions and cash applications are processed in a timely and accurate basisManage the preparation of all government and regulatory reporting - VAT returns, EC and IntraStat returns, HMRC and customs returnsWork closely with the global Tax team on all tax matters including UK tax strategy, intercompany transfer pricing, VAT and Customs reporting, Corporation taxTransfer Pricing – work closely with global Tax team on maintaining transfer pricing in line with the global Tax policies including annual reconciliationsBanking and Credit Card management – administrative lead on all banking activities including user setup and maintenance, bank transfers, intercompany payments, and credit card applicationsAdministrative control and management of Concur expense reporting and invoice processing systemsFX maintenance. Ensuring correct month rates recorded in NetSuite ERP and Anaplan reporting systems. Ensure financial systems reconciliations are performed accurately and timely on a monthly basisCreate and present financial reporting to support the Europe Leadership Team in the financial management of the legal entity and Europe PMUOwn the execution and sign-off of the monthly and quarterly close and SAP S4 / Central Finance consolidation processes for UK and US GAAP reporting.Work with Finance colleagues on understanding the brand goals and aspirations of all budgets and forecastsProvide insights and explanations on the key drivers of variance for financial analyticsManage the management cross charges and quarterly/annual legal intercompany cross charges (AMEA HQ management region and HK)Own and manage the cash flow forecasting working with the Europe Finance Director. Ensure legal entity is adequately funded and work with Intercompany partners and Corporate Treasury on the payments between legal entitiesManages the external audit and statutory accounting processes for our UK legal entityLead the coordination and execution of the annual external auditCoordinate the audit process to ensure auditor requests are addressed quickly and accurately to ensure an efficient and speedy audit processWork with external tax advisors to ensure accurate tax compliance and input to Statutory AuditDevelop plans to address any audit findingsManage Company Secretarial responsibilitiesEnsures best practice internal controls within the Europe business unitLead the implementation, monitoring and maintenance of internal controls within the organization working with cross-functional teams and external consultants. Continue to strengthen controls around record-to-report, procure-to-pay, and order-to-cash processesMonitor and resolve identified gaps in internal controls and Clorox policiesPeople Management – 3 direct reportsManage the work of the Senior Financial Accountant, Accounts Assistant and Accounting Analyst ensuring that work and deliverables are completed timely and with high qualityProvide coaching, training and development to staff and facilitate the creation of an environment where all employees are engaged and inspired to excelWhat we look for:Years and Type of Experience:Minimum of 8 years of experience in finance and/or accounting and at least 2 years in the role of Accounting or Finance Manager.Minimum of 3 years managing all aspects of a team of professionalsSolid understanding of UK GAAP and IFRSUS GAAP experience preferred but not requiredStrong understanding of internal controls and experience in internal control improvementGlobal multinational FMCG experience is preferredeCommerce (e.g. Amazon) and online trade experience is preferredCompany Secretary experience preferredSkills and AbilitiesStrong knowledge in financial systems lead such Netsuite ERP and Concur (Expenses and Invoicing) system or similar ERPExperience in external and government reporting – HMRC (UK Revenue); EU; Customs and Excise, Corporation Tax, VATExperience in foreign currency accounting and reportingExperience in multinational business and cross-boarder intercompany transactions is highly desirableExcellent interpersonal skills with ability to independently prioritize, promote a team environment, work in a cross functional environment with the ability to influence other functional areas and form solid relationships with other teams and work groups. Superior communication skills with the ability to present financial concepts and results to senior management and non finance audiencesFlexibility to respond quickly and professionally to multiple requests while adhering to strict reporting deadlinesCoach, train and develop direct reportsProven leadership and project management skills with solution-oriented mindset.Education Level/Degree:Fully Qualified Accountant (CA, ACCA, CIMA or International Equivalent)Workplace type:Hybrid - 3 Days On-site, 2 Days WFHOur values-based culture connects to our purpose and empowers people to be their best, professionally and personally. We serve a diverse consumer base which is why we believe teams that reflect our consumers bring fresh perspectives, drive innovation, and help us stay attuned to the world around us. That’s why we foster an inclusive culture where every person can feel respected, valued, and fully able to participate, and ultimately able to thrive. Learn more.Benefits we offer to help you be well and thrive:Competitive compensationGenerous 401(k) program in the US and similar programs in internationalHealth benefits and programs that support both your physical and mental well-beingFlexible work environment, depending on your roleMeaningful opportunities to keep learning and growingHalf-day Fridays, depending on your locationPlease apply directly to our job postings and do not submit your resume to any person via text message. Clorox does not conduct text-based interviews and encourages you to be cautious of anyone posing as a Clorox recruiter via unsolicited texts during these uncertain times.To all recruitment agencies: Clorox (and its brand families) does not accept agency resumes. Please do not forward resumes to Clorox employees, including any members of our leadership team. Clorox is not responsible for any fees related to unsolicited resumes.SummaryLocation: Richmond, United KingdomType: Full time

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