This is not a typical portfolio or relationship role. You'll operate in a heightened monitoring environment, proactively identifying risk, engaging customers early, and shaping strategies to stabilise or exit positions.
Your responsibilities will include:
Proactively monitoring a portfolio of corporate and commercial clients, identifying emerging risks before they become critical
Engaging directly with customers on a regular basis to understand challenges, shape recovery strategies and deliver key client messages and execute agreed risk mitigation strategies
Owning the credit delivery process and acting as a point of contact for stakeholders to make sure the operation runs smoothly, including undertaking client facility reviews in a timely manner and in line with credit policy
Identify and respond to potential fraud risk, taking appropriate action to mitigate losses and protect the bank
Identifying clients who need an audit, offering support where needed and proactively engaging with the banks panel of external professional advisers
Utilising the banks systems to actively manage live facilities in line with the agreed client strategy
Proactively partnering with commercial client managers to review and optimise in-life portfolios through structured, regular portfolio reviews
The skills you'll need
In addition, you'll have or be working towards the Chartered Banker Diploma in Lending Skills and have strong negotiation, organisational and planning skills.
We'll also want to see:
The ability to balance customer outcomes with risk management, making sound, commercially aware decisions
Experience working across multiple stakeholders, including credit teams, risk functions, and external advisers
A proactive mindset, someone who spots issues early and takes ownership
Confidence in handling sensitive, high-stakes client conversations
Strong resilience and judgement in situations where there may not be clear or easy answers
Why Join us?
You'll gain exposure to situations most roles never see-from early risk identification through to restructuring, fraud management, and recovery
The role has significantly evolved in the past 18 months, offering broader ownership and greater influence across the full client lifecycle
You'll work alongside a highly experienced team, building expertise that typically takes years to develop
No two days are the same-this is a diverse, hands-on role spanning sectors, products, and complex client scenarios
You'll play a key role in supporting businesses through challenging periods, with genuine impact on their outcomes
The breadth of exposure makes this a powerful platform for future progression across credit risk, restructuring, and senior client management roles
Hours
35
Job Posting Closing Date:
12/06/2026
Ways of Working:Hybrid
Additional Information
Join us as a Specialist Client Manager
In this vital role, you'll take ownership of a portfolio of higher-risk Corporate and Commercial clients, where your decisions directly impact business survival and the bank's risk position
Working within the Commercial & Institutional (C&I) portfolio management function, you'll own the end-to-end credit delivery activity for a portfolio of complex corporate and commercial clients
You'll join a deeply experienced team operating at the forefront of complex, in-life client situations across NatWest's Commercial & Institutional bank
Royal Bank Of Scotland · Cambridge, UK