Application Closes: 17/09/2026

Our team is growing !

Role: Relationship Manager

Function: Chief Commercial Officer

Department: Business Credit

Section: Business Centres

Reports to (Role): Senior Relationship Manager

Job Summary

Overall Purpose:

The Relationship Manger (RM) shall proactively manage, maintain and enhance a number of business credit relationships, with exposures ranging from €120k leading up to €5 million and potentially extending to €10 million with the endorsement of the Chief Commercial Officer. The RM shall provide high-quality, credit-related services whilst promoting the Bank’s services, generate new business, safeguard the portfolio’s asset quality and ensuring an adequate return.

Key Responsibilities

The job holder will be responsible for:

Commitment to ServiceHaving a hands-on approach and commitment to the expansion and success of the business to increase productivity and enable sales targets achievement.
Locating areas of improvement and proposing corrective actions that meet challenges and leverage growth opportunities.
Managing RelationshipsManaging, monitoring and enhancing a portfolio of relationships from all its various aspects including growth, quality, impairment, arrears management and revenue generation.
Analysing the creditworthiness and risk profile of each credit proposal and preparing professional proposals and reviews backed by appropriate recommendations for sanctioning in line with the Bank’s credit policy.
Understanding the particular drivers of each company from a financial and business perspective as well as the industry in which company operates.
Ensuring that NPL’s are identified at an early stage and remedial action is taken immediately and effectively.
Managing the portfolio’s administration aspect to ensure that control measures are maintained at the highest standards through collateral management, perfection of all required security items, customer profile updates, follow-up and regularisation of excesses and arrears, accurate and timely credit grading of accounts, updated financial and other documentation is held on file and constant adherence to covenants.
Scrutinising and verifying the conditions of sanction before forwarding the facility letters to customers and always ensuring adherence to these conditions.
Utilising the Bank’s enhanced business relationship to promote and generate leads for the sale of Bank’s products thus increasing the non-interest income.
Maintaining an up-to-date understanding of the Credit Policy and other related policies and documents, whilst keeping abreast with developments in the economic environment.

Attracting New Business Attracting new business to the Bank, fostering new relationships and cross-selling the Bank’s products to top customers to ensure further contribution to the Bank’s bottom line.

In addition to the specific functions, management may assign more duties as required for the job from time to time.

Attitude:

Customer friendly, assertive and with a positive can-do attitude
Be committed and appreciate the responsibilities which the job entails.
Be highly responsible and willing to remain continuously updated on areas related to the job.

Required Criteria

Previous proven work experience of four (4) years in a financial services environment with direct exposure to Credit and an MQF Level 5 Award in Finance, Accountancy, Credit, Risk Management or a related field.

Previous proven work experience of five (5) years in a financial services environment with direct exposure to Credit.

Previous proven work experience of two (2) years in a financial services environment with direct exposure to credit, and an MQF Level 6 Bachelor’s Degree in Banking, Finance, Accountancy or a related field.

Desirable Criteria

Previous proven work experience in Banking.

In our process of shortlisting candidates for the vacancy, please note that preference may be given to candidates whose profiles best align with the duties and responsibilities of the role.

Applicants are required to satisfy the Bank’s minimum eligibility criteria of four (4) O’Levels at Grade 5/C or higher, including English Language, in addition to any role‑specific requirements outlined above. This requirement shall not apply where applicants are already in possession of an MQF Level 6 Degree or higher.

Here’s what’s in it for you:

Bank Holidays and additional vacation leave days over and above the statutory entitlement
Free basic health insurance
Relocation assistance and packages for expats joining the bank
Accredited training programs from our BOV Learning Academy
Study leave when employees decide to further their studies on part time basis
Staff home loan rates for your dream home and other credit facilities at reduced interest rates
Voluntary Occupation Pension Scheme (VOPS)
Guarantee of working with an Equal Opportunities Employer as certified by the NCPE
A budget dedicated to your children’s summer school costs

At BOV Group, we prioritise integrity, ethical behaviour and a strong work ethic. These principles form the foundation of the Bank’s core values: sustainability, excellence, innovation, integrity, and inclusion. All employees are expected to adhere to the Code of Conduct & Ethics, which outlines the standards for professional and personal behaviour. Commitment to these principles is essential for maintaining the BOV Group’s reputation and ensuring a positive, productive work environment.

All employees are also expected to demonstrate accountability, integrity, and sound judgement in the identification, monitoring, management, and mitigation of risks. Employees must act in accordance with the Bank’s Risk Appetite Framework and are aware of the requirements set out within the Risk Management Framework, ensuring that risk considerations are embedded in their day-to-day decision-making and activities.

The Bank ensures a fair, transparent, consistent and non-discriminatory treatment of employees on the basis of gender, gender identity, race, colour, ethnic, or social origin, genetic features, language, religion, or belief, political or any other opinion, membership of a national minority, property, birth, disability, age or sexual orientation.

Relationship Manager

Job Description