Polaris Bank is recruiting experienced banking professionals for a Corporate Banking Relationship Manager role in Lagos, with candidates expected to have between three and seven years of relevant experience.
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The position is aimed at professionals with backgrounds in corporate banking, commercial banking, relationship management or credit analysis.
The successful candidate will manage corporate relationships, develop new business, analyse credit requests and prepare Credit Approval Memoranda (CAM) for financing proposals.
The role covers clients across sectors including oil and gas, telecommunications, power and infrastructure, agriculture and non-oil exports, manufacturing, large corporates and conglomerates.
Polaris Bank Corporate Banking Job
The Relationship Manager will be responsible for building and managing profitable relationships with existing and prospective corporate customers.
Key responsibilities include:
- Developing and maintaining relationships with corporate clients.
- Identifying new business opportunities and expanding the bank’s corporate customer base.
- Understanding clients’ banking requirements and providing appropriate financial solutions.
- Acquiring quality corporate accounts and generating new revenue opportunities.
- Marketing Polaris Bank’s products and services.
- Meeting assigned business development and financial targets.
- Increasing the bank’s share of customers’ financial transactions.
The successful candidate will also be required to conduct detailed financial and credit assessments of corporate customers.
This includes preparing Credit Approval Memoranda for new credit facilities and renewals, assessing potential credit risks and recommending measures to mitigate those risks.
Where required, the Relationship Manager will present credit proposals to internal approval committees and monitor approved facilities to ensure that customers comply with agreed terms and conditions.
Credit Analysis and Portfolio Management
Credit assessment is a significant part of the position.
The successful applicant will be expected to understand corporate financial statements, conduct financial analysis and evaluate the creditworthiness of businesses seeking financing.
The role also involves monitoring portfolio performance, maintaining asset quality, ensuring timely facility renewals and reducing the risk of non-performing loans through proactive portfolio management.
The Relationship Manager will prepare portfolio reviews and management reports and ensure that customer relationships comply with the bank’s internal policies and applicable regulatory requirements.
KYC and anti-money laundering requirements are also part of the position.
Sector Experience Required
Polaris Bank is seeking candidates with substantial knowledge of one or more of the sectors covered by its corporate banking portfolio.
These include:
- Oil and gas
- Telecommunications
- Power and infrastructure
- Agriculture and non-oil exports
- Manufacturing
- Large corporates
- Conglomerates
Candidates are expected to understand the business models, value chains, market trends, risks and opportunities within their relevant sectors.
The role also requires the ability to provide industry insights to corporate customers and internal stakeholders.
Qualifications and Requirements
Applicants should have a minimum of 3–7 years of relevant professional experience in areas such as:
- Corporate banking
- Commercial banking
- Relationship management
- Credit analysis
Candidates should demonstrate experience managing corporate clients and originating or structuring corporate banking transactions.
Other requirements include:
- Strong understanding of corporate financial statements and credit assessment.
- Experience preparing and defending Credit Approval Memoranda.
- Knowledge of lending processes and credit risk management.
- Understanding of banking regulations and internal risk controls.
- Ability to identify business opportunities and convert prospects into profitable relationships.
- Strong client and stakeholder management skills.
- Excellent communication and presentation abilities.
- Strong analytical and problem-solving skills.
- Good negotiation and business development capabilities.
- Ability to work independently and within a team.
- Strong commercial and results-oriented approach.
Technical Skills
The position requires practical expertise in:
- Credit Approval Memorandum (CAM) preparation.
- Financial statement analysis.
- Credit risk assessment.
- Portfolio management.
- Corporate lending.
- Transaction structuring.
- Financial modelling.
- Cash-flow analysis.
- Industry and sector analysis.
- Corporate finance and banking products.
Experience writing and preparing CAMs and credit proposals is specifically identified as a mandatory requirement for the position.
Location and Job Type
Position: Relationship Manager, Corporate Banking
Location: Lagos, Nigeria
Employment type: Full-time
Qualification: BA/BSc/HND
Experience: 3–7 years
Sector: Banking and Finance
Application deadline: Not specified
How to Apply for the Polaris Bank Job
Interested candidates should apply through the recruitment application channel provided by Polaris Bank for the vacancy.
Applicants should ensure that their CV clearly demonstrates their corporate banking experience, sector exposure, credit analysis background and experience preparing Credit Approval Memoranda.
The application deadline was not specified in the vacancy information provided.
