Relationship Officer at Polaris Bank Limited

 Job Title: Relationship Officer

Location: Lagos
Job Type: Full time

Job Summary

• We are seeking an experienced and result-oriented Relationship Managers, Corporate Banking to manage and grow corporate banking relationships across key sectors including Oil & Gas, Telecommunications, Power & Infrastructure, Agriculture, Non-Oil Exports, Manufacturing, Large Corporates, and Conglomerates.
• The successful candidate will be responsible for originating, developing, and managing corporate client relationships, driving revenue growth, identifying business opportunities, conducting credit analysis, and preparing high-quality Credit Approval Memorandum (CAM) for credit requests.
• The ideal candidate must possess in-depth knowledge of the assigned sectors, understand industry-specific value chains and business dynamics, and demonstrate strong relationship management and credit analysis capabilities.

The successful candidate will be responsible for:
Relationship Management:

• Develop and manage profitable relationships with corporate clients across various sectors.
• Identify new business opportunities and actively grow the bank’s corporate customer base.
• Maintain regular engagement with existing and prospective clients to understand their banking needs.
• Deliver tailored banking solutions to clients while ensuring superior customer experience.

 Business Development:

• Drive the acquisition of quality corporate accounts and revenue-generating opportunities.
• Market the bank’s products and services to existing and potential customers.
• Achieve assigned financial and business development targets.
• Increase wallet share and penetration within assigned portfolios.

Credit Analysis and CAM Preparation:

• Conduct detailed financial and credit analysis on corporate customers.
• Prepare comprehensive and high-quality Credit Approval Memorandum (CAM) for credit facilities and renewals.
• Assess credit risks and recommend appropriate mitigating measures.
• Present credit proposals to internal approval committees where required.
• Monitor approved credit facilities and ensure compliance with credit terms and conditions.

Sector Coverage and Advisory:

• Maintain deep knowledge of the following sectors:
  • Oil & Gas
  • Telecommunications
  • Power & Infrastructure
  • Agriculture & Non-Oil Exports
  • Manufacturing
  • Large Corporates
  • Conglomerates
• Understand sector trends, market developments, key risks, and opportunities.
• Provide industry insights and advisory support to clients and internal stakeholders.

Portfolio Management:

• Monitor portfolio performance and ensure asset quality.
• Minimize non-performing loans through proactive portfolio monitoring.
• Ensure timely renewal of facilities and compliance with regulatory and internal requirements.
• Prepare portfolio reviews and management reports as required.

Compliance and Risk Management

• Ensure adherence to bank policies, regulatory requirements, and risk management standards.
• Perform Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements in line with regulatory guidelines.
• Identify and escalate emerging risks within customer portfolios.

Requirements

• 3-7 years of relevant experience in Corporate Banking, Commercial Banking, Relationship Management, or Credit Analysis.
• Demonstrated experience managing clients within one or more of the following sectors:
  • Oil & Gas
  • Telecommunications
  • Power & Infrastructure
  • Agriculture & Non-Oil Exports
  • Manufacturing
  • Large Corporates
  • Conglomerates
• Proven ability to originate and structure corporate banking transactions.
• Strong understanding of corporate financial statements and credit assessment techniques.
• Extensive experience in preparing and defending Credit Approval Memorandum (CAM).
• Strong knowledge of lending processes, risk management principles, and regulatory requirements.
• Ability to identify business opportunities and convert prospects into profitable banking relationships.
• Excellent stakeholder engagement and client relationship management capabilities.

Required Skills:
Technical Skills:

• Strong Credit Approval Memorandum (CAM) writing skills.
• Financial statement analysis and interpretation.
• Credit risk assessment and portfolio management.
• Corporate lending and transaction structuring.
• Industry and sector analysis.
• Financial modelling and cash flow analysis.
• Knowledge of banking products and corporate finance solutions.

Sector Knowledge:
In-depth understanding of the operations, value chains, risks, and opportunities within:

• Oil & Gas
• Telecommunications
• Power & Infrastructure
• Agriculture & Non-Oil Exports
• Manufacturing
• Large Corporates
• Conglomerates

Soft Skills:

• Excellent relationship management skills.
• Strong business development and negotiation capabilities.
• Effective communication and presentation skills.
• Analytical and problem-solving abilities.
• High attention to detail.
• Strong interpersonal and stakeholder management skills.
• Ability to work independently and as part of a team.
• Results-oriented with a strong commercial mindset.

Key Competency Requirement:

• Demonstrable expertise in CAM writing and credit proposal preparation is a mandatory requirement for this role.

Application Closing Date
Not Specified.