Relationship Manager

Relationship Manager – ESME (Established Small Medium Enterprise) - Shift At Shift, we’re business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products. We’ve helped solve the credit and payment pain points for more than 25,000 businesses, providing over $3.5 billion in aggregate funding. You’ll be joining a diverse team of over 250 people who are focused on delivering better outcomes for Australian businesses. About the role: The Relationship Manager ESME is responsible for proactively growing and managing a portfolio of established SME customers. The role focuses on building deep, strategic relationships, understanding customers’ businesses, industries, and growth plans, and delivering appropriate lending structures and product solutions. Acting as a trusted advisor, the Relationship Manager takes end-to-end accountability for customer outcomes—from origination through credit structuring, approval, onboarding and ongoing portfolio management—while maintaining strong credit quality and alignment to risk appetite. Responsibilities Proactively identify and pursue opportunities within a portfolio of customers to meet their business needs, grow lending limits, expand product usage, and deepen relationships. Engage customers and brokers in discussions about lending needs, structures, and solutions that align with their business goals. Develop a deep understanding of each customer\'s industry, market dynamics and strategic plans to anticipate future funding needs. Act as a trusted advisor, building long-term partnerships based on credibility and insight. Credit structuring and risk management: structure deals and negotiate stronger security positions to facilitate higher limits and greater exposure; work with credit to mitigate risks. Handle objections professionally when proposed limits differ from expectations, providing clear explanations and alternative solutions; prepare, present and progress proposals in line with Shift’s credit strategy and risk appetite. Lead the development of credit submissions, including financial analysis, risk assessment and recommended structures. Market & Portfolio Performance Maintain strong market knowledge to position the business competitively and identify emerging opportunities. Monitor and manage portfolio performance, ensuring credit quality and compliance are maintained. Proactively identify performance trends, credit risks and opportunities, and take action to optimise outcomes. Collaboration & Internal Partnerships Work with the customer solutions team to originate and execute large, complex transactions. Partner with BDMs, Customer Solutions and Service teams, and other internal stakeholders to deliver seamless customer experiences. Skills & Experience Experience as a business banker or relationship manager with end-to-end accountability, including credit writing responsibilities. Proven ability to build strategic relationships based on trust, industry insight and tailored solutions. Exposure to equipment finance and working capital solutions, account maintenance processes and operational processes. Strong customer service, relationship-building and proactive sales skills. Ability to conduct credit assessments using financial statements and understand corporate group structures and funds flow. Negotiation skills to secure favourable outcomes for both customer and lender. Strong verbal, written, and presentation communication skills; ability to influence decision-making and overcome objections. Deep product and market knowledge; CRM and loan origination system proficiency. Qualifications Tertiary qualification in business, finance, or related field (highly regarded). Seniority level Mid-Senior level Employment type Full-time Job function Sales and Business Development Sign in to set job alerts for “Relationship Manager” roles. #J-18808-Ljbffr