What is the role of a relationship manager in a

2 min read

Your contactGuides you

AdvocatePresents the case

Not the decisionUnderwriter decides

Work with themResponsively

What they do

A relationship manager (or business development contact) is the person who guides you through the application: gathering what is needed, answering your questions, and presenting your case to the credit team. On a larger deal they can be a genuine advocate, framing your business in the best honest light — which is why a good working relationship matters.

What they do not do

Crucially, the relationship manager usually does not make the lending decision — that sits with an underwriter assessing risk against policy. A supportive manager cannot override affordability, but they can make sure your case is presented clearly and any context reaches the decision-maker. Understanding this split, covered in the underwriting guide, helps you pitch to the right audience.

Working with one well

Be responsive, honest and organised: return information promptly, flag issues early, and give them the context that helps them advocate for you. Quote your application reference to keep things quick. A relationship manager who trusts your figures and finds you easy to deal with is a real asset to an application.

Frequently asked questions

Can a relationship manager approve my loan?

Usually not directly — they guide and present the application, but the credit decision rests with an underwriter. A supportive manager helps your case land well; they cannot override the affordability or policy assessment.

Is it worth building a relationship with a lender?

Yes, especially if you may borrow again. A lender who knows your business, trusts your figures and finds you reliable can move faster and be more flexible on future applications. Relationships compound over time.