Relationship Manager, Corporate & Commercial Banking - Lagos

• To manage the development of prudently priced assets, cost-effective long-term liability with reputable companies and organizations in order to ensure Bank’s maximum profitability.
  
• To identify and develop a target pipeline and aggressively market for new profitable status customers from the identified target sectors.
  
• Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers.
  
• Manage high professional standards and strive to provide quality services and competitive pricing to clients.
  
• Originate, maintain, and develop relationships in the corporate market and the public sector.
  
• Cross sell bank’s bouquet of products to operators in the corporate market.
  
• Ensure effective customer loyalty programs for networking and deepening Corporate Banking market penetration.
  
• Account for all relevant segment or product metrics as applicable within the Bank’s policy i.e., risk limit, delinquency, compliance requirements etc.
  
• Negotiate terms and conditions and prepare credit applications for new loan facilities for Corporate Banking clients.
  
• Structure credit facilities to address customers’ needs and prepare/review credit proposals.
  
• Present and defend Corporate Banking credit applications with the Credit Committee.
  
• Review and authorize corporate Banking credit applications from account managers prior to submission to Risk Management.
  
• Liaise with key operational functions to ensure client service delivery to agreed benchmarks.
  
• Maintain good public relations with current and prospective customers.
  
• Plan and report on Marketing calls for the unit.
  
• Ensure compliance to Know Your Customer (KYC) and Anti Money Laundering (AML) requirements in all dealings with existing and potential customers.
  

Qualifications and Experience

• Degree in Finance, Accounting, Economics, or related discipline in a recognized institution.
  
• A postgraduate qualification or relevant professional certification would be an added advantage.
  
• 4 – 7 years’ continuous banking experience in sales and credit to the corporate banking market segment with a minimum of 2 years in a supervisory position for more experienced candidates.
  
• Good knowledge of Basic Accounting and Financial Analysis, Business Law, Business/Financial Advisory services, Banking Operations, Leasing, Trade Services, Laws, and regulations relating to Banking.
  
• A good understanding of Risk, Credit policies and procedures.
  
• Hands on experience in Credit Analysis & Administration, Sales, Relationship Management, Customer Service, commercial and product development functions of a commercial bank at managerial level.
  
• Good understanding of economic trends and implications on the banking/finance sector.
  
• Experience in the Public Sector will be an added advantage.