About the Role
Polaris Bank Limited, a leading Systematically Important Bank in Nigeria, is seeking a dynamic and results-driven Small & Medium Scale Enterprise (SME) Officer to join our vibrant team in Imo. In this pivotal role, you will champion business growth within the SME segment by driving customer acquisition, nurturing strategic relationships, originating credit, and delivering innovative digital banking solutions that align with our commitment to financial excellence.
Key Responsibilities- Drive aggressive customer acquisition and seamless onboarding of new SME accounts to expand our business portfolio in the region.
- Build and maintain robust, long-term relationships with SME clients, identifying cross-selling opportunities for tailored banking products.
- Conduct thorough financial assessments, prepare comprehensive credit proposals, and proactively monitor loan portfolio performance.
- Achieve and surpass assigned targets for loan growth, deposit mobilization, and non-interest revenue generation.
- Maintain strict adherence to internal credit policies, operational guidelines, KYC/AML mandates, and broader regulatory requirements.
- Analyze local market trends and competitor activities to spot emerging opportunities within the thriving Nigerian SME sector.
- Partner cross-functionally with internal teams to ensure exceptional customer service delivery and operational efficiency.
- Possess a minimum of a Bachelor's degree in Finance, Economics, Business Administration, Accounting, or a related discipline.
- Demonstrate 2 to 5 years of proven professional experience in SME banking, commercial banking, business sales, or relationship management.
- Strong working knowledge of credit analysis, customer acquisition strategies, and portfolio risk management.
- Excellent communication, negotiation, and interpersonal skills tailored for engaging diverse business owners.
- Deep understanding of the Nigerian financial landscape and SME market dynamics in Imo State.
- Competitive salary with performance-based financial incentives and bonuses.
- Comprehensive health insurance coverage for employee and dependents.
- Continuous professional development through structured banking and leadership training programs.
- Dynamic, inclusive, and collaborative corporate culture that rewards excellence.