About the Role
Polaris Bank Limited is one of Nigeria's leading financial institutions and a Systematically Important Bank (SIB) committed to promoting customer convenience and lifestyle through innovative electronic banking solutions. We are currently seeking a dynamic and results-driven professional to join our team as a Team Lead Commercial Banking Officer in Abuja. In this pivotal role, you will spearhead commercial lending, nurture key client relationships, and ensure seamless branch and banking operations while mentoring a talented team.
Key Responsibilities- Lead and direct commercial lending processes, credit underwriting, financial analysis, and robust loan structuring to drive profitability.
- Identify, develop, and propose retail and commercial banking products tailored to meet specific customer and market needs.
- Manage key accounts by building strong client relationships, conducting regular reviews, and aligning banking solutions with client business objectives.
- Implement effective credit risk management strategies by evaluating customer financial strength, repayment history, and collateral adequacy.
- Oversee daily branch operations, ensuring strict compliance with regulatory requirements, security protocols, and internal policies.
- Drive the adoption of digital banking solutions and financial technology trends to optimize channels and enhance the customer experience.
- Resolve complex customer complaints positively, utilizing feedback as an opportunity to improve service delivery standards.
- Bachelor's degree in Banking and Finance, Economics, Business Administration, or a related field.
- Minimum of 3 to 8 years of cognate commercial banking and relationship management experience.
- Relevant professional certifications such as CIBN, ICAN, ACA, or ACCA will be an added advantage.
- Comprehensive understanding of credit risk management, commercial lending policies, and Nigerian banking regulations.
- Exceptional leadership, communication, strategic selling, and interpersonal skills.
- Competitive salary and performance-based incentives.
- Comprehensive health insurance and wellness benefits.
- Opportunities for continuous professional development and career advancement.
- Dynamic, collaborative, and inclusive work environment.