COMMERCIAL BANKING OFFICER AT POLARIS BANK LIMITED | COMMERCIAL BANKING OFFICER JOBS IN NIGERIA

About Company:

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. 

Job Description:

We are searching for a high-velocity Commercial Banking Officer to serve as a Relationship Strategist across our key regional hubs. This role is designed for a financial professional who can seamlessly blend technical acumen with the art of client relationship management to ignite business growth.

You will not just manage accounts; you will be a trusted advisor, leveraging risk intelligence and commercial insights to develop bespoke financial solutions. Whether based in the commercial hub of Lagos or the emerging markets of Zaria and Bauchi, your mission is to expand the bank's footprint while maintaining the absolute integrity of your credit portfolio. If you have a proven track record in corporate lending and complex credit structuring, we invite you to lead our commercial expansion.

Requirements:

1. Strategic Relationship Architecture

• Advisory Partnership: Cultivate strategic partnerships with commercial clients, transforming transactional interactions into long-term advisory relationships that generate sustainable value.

• Bespoke Solutions: Grasp complex business needs to deliver highly customized banking products that support client expansion and operational efficiency.

• Market Expansion: Proactively identify and convert new business opportunities, leveraging your professional network to significantly expand the bank's commercial market share.

2. Credit Intelligence & Risk Governance

• Financial Precision: Perform in-depth viability assessments, demonstrating expert-level precision in interpreting financial statements and multi-year cash flow projections.

• Credit Structuring: Craft distinctive credit proposals that expertly balance client requirements with institutional risk parameters and regulatory standards.

• Portfolio Vigilance: Monitor portfolio performance with a sharp eye for early warning signals, implementing proactive mitigation strategies to maintain asset quality.

3. Compliance & Internal Synergy

• Regulatory Adherence: Maintain unwavering compliance with the Central Bank of Nigeria (CBN) and internal banking regulations, staying current with evolving industry best practices.

• Internal Coordination: Collaborate seamlessly with Risk, Legal, and Operations teams to deliver an unparalleled client experience and coordinate complex financial closings.

Qualifications and Skills:

Professional Profile

• Education: Bachelor’s Degree in Finance, Accounting, Economics, or a related field. (An MBA or professional certifications like ACIB, ICAN, or ACCA is a distinct plus).

• Experience: Minimum of 7 years of progressive experience in commercial banking or corporate lending.

• Track Record: Proven success in Credit Analysis, Portfolio Management, and high-value Business Development.

Core Competencies

• Credit Mastery: Strong command of commercial banking products (LBD, Invoice Discounting, Term Loans, etc.) and the regulatory landscape.

• Negotiation: Exceptional communication and presentation skills, capable of influencing C-suite stakeholders.

• Strategy: Ability to leverage market awareness to proactively identify emerging sector opportunities.

Salary

Application Closing Date: Not specified

Application Instructions:

Click the button below to apply