Sukhwinder Singh Dhaliwal

Experienced Senior Relationship Manager with 24+ years in UK banking, including the last nine years supporting agricultural businesses with their growth, investment, working capital and succession planning needs. Proven track record of building trusted relationships with farming businesses, delivering tailored lending solutions and driving sustainable portfolio growth within risk appetite. Strong expertise in cash flow-based lending, credit structuring and risk assessment, with the ability to make clear, well-supported recommendations and manage complex transactions through to sanction.

Experienced in supporting farm expansion, diversification and investment in sustainable agricultural operations, while collaborating across Credit, Risk and Product teams to deliver positive outcomes for clients and the Bank.

Agricultural Relationship Manager - HSBC UK Bank plc

(2017-01)

Originate new business, grow existing relationships and manage a portfolio of ~150 SME Agricultural clients in capital-intensive and regulated sectors, with transferable experience to manufacturing and asset-heavy businesses. Act as primary relationship owner, understanding clients' financial goals, challenges and risk profile. Manage a £60m–£70m lending book, maintaining performance within risk appetite. Hold £750,000 delegated lending authority.

• Supported farming businesses with expansion, diversification, succession and sustainability investment projects
• Drive business development through proactive client engagement and professional introducer networks (accountants, solicitors, valuers and advisers)
• Build and convert introducer-led pipelines to generate new-to-bank lending
• Originate and structure lending solutions (working capital, term debt and asset-backed facilities)
• Design and present tailored funding solutions aligned to client needs and risk appetite
• Collaborate with internal stakeholders to progress opportunities, ensuring robust risk assessment, documentation and governance
• Prepare high-quality credit papers to support sanctioning decisions
• Monitor portfolio performance and manage emerging risks
• Advise clients on ESG strategies and support funding for energy efficiency projects aligned to Net Zero commitments
• Achieved 96/100 Relationship Manager Satisfaction Score
• Delivered 5% asset growth and 3% income growth in 2025, maintaining strong portfolio quality and disciplined credit standards
• Supported a wide range of farming businesses with funding for expansion, diversification, succession planning and sustainability initiatives

Senior Assistant – Commercial Banking - Lloyds Banking Group

(2016-01 - 2017-12)

• Supported origination and execution of SME lending transactions
• Conducted financial analysis and prepared structured credit proposals
• Collaborated with Credit, Risk, and Product teams to deliver facilities within policy and risk appetite

Business Support Relationship Manager - Lloyds Banking Group

(2013-01 - 2016-12)

• Managed complex and restructuring SME relationships
• Structured refinancing solutions aligned to business sustainability
• Negotiated terms with directors and professional advisers
• Managed 33 complex cases (£4.3m exposure), containing £333k risk of loss

Relationship Manager – Commercial Banking - Lloyds Banking Group

(2005-01 - 2010-12)

• Primary relationship owner for SME clients across multiple sectors
• Originated new business while maintaining portfolio quality
• Identified growth opportunities and managed early risk indicators
• Multiple Exceptional Peoples Awards
• Reduced Special Support cases from 59 to 25 through proactive intervention

Credit & Risk Roles - Lloyds Banking Group

(2003-01 - 2005-12)

Earlier Career

• Structured and sanctioned commercial lending facilities
• Assessed affordability, liquidity, and business performance
• Maintained strong governance and regulatory compliance standards