Relationship Officer  Lagos

Polaris Bank was established by the Central Bank of Nigeria (CBN) on September 21, 2018 to offer commercial banking services to the Nigerian public. The bank commenced services on the same day, having purchased the assets and assumed certain liabilities of the defunct Skye Bank.With a footprint of over 350 branches across the country, Polaris Bank prides itself in delivering exceptional customer experience, leveraging best in class/state of the art Information Communication Technology (ICT). By focusing on ICT solutions across multiple service delivery channels (mobile banking, ATMs, POS and online platforms) Polaris Bank maintains a pivotal role in the Nigerian banking industry, providing customers with simple, convenient and secured banking services. We are  recruiting to fill the position below:

 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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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

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