About the Role
Polaris Bank Limited, a leading Systematically Important Bank in Nigeria renowned for exceptional electronic banking solutions, is seeking a dynamic and results-driven professional to join our team as the Team Lead Commercial Banking Officer in Osun. In this pivotal role, you will spearhead commercial lending initiatives, nurture high-value client relationships, and oversee branch operational excellence to support our corporate growth objectives across the region.
Key Responsibilities- Lead commercial lending processes, including credit underwriting, thorough financial statement analysis, and comprehensive credit proposal development.
- Identify retail and commercial banking product needs, evaluating associated risks, profitability, and market force impacts.
- Manage key client accounts through strategic selling, regular engagement reviews, and the alignment of tailored banking solutions.
- Oversee credit risk management by assessing customer financial strength, repayment history, and establishing appropriate credit terms.
- Drive customer relationship management by championing a customer-centric mindset and independently resolving complex client complaints.
- Ensure branch operations and banking procedures comply with regulatory requirements while optimizing daily transactional workflows.
- Monitor digital banking and financial technology trends, recommending innovative solutions to enhance electronic channels and eCommerce offerings.
- Collaborate with internal stakeholders to identify cross-selling opportunities and deliver comprehensive financial services.
- Bachelor's degree in Banking and Finance, Economics, Business Administration, or a related discipline.
- 0 to 8 years of cognate commercial banking and relationship management experience.
- Relevant professional qualifications such as CIBN, ICAN, ACA, or ACCA are a strong advantage.
- Possession of additional advanced academic qualifications will be considered a plus.
- Demonstrated expertise in credit risk management, commercial lending, and branch operations.
- Strong interpersonal, negotiation, and strategic conceptual selling skills.
- Competitive salary package with performance-based incentives.
- Comprehensive medical and health insurance coverage.
- Continuous professional development and career advancement opportunities.
- Dynamic and collaborative work environment within a leading Nigerian financial institution.