Unlock Your Career Potential: Small & Medium Scale Enterprise (SME) Officer at Polaris Bank Limited
Are you a dynamic banking professional with a passion for driving business growth and empowering small and medium-sized enterprises? Polaris Bank Limited, one of Nigeria's leading Financial Institutions and a Systematically Important Bank (SIB), is seeking a talented and driven individual to join its team as a Small & Medium Scale Enterprise (SME) Officer in Enugu.
At Polaris Bank, we are committed to promoting customer convenience and lifestyle through an extensive range of innovative electronic banking solutions. By joining our team, you will play a pivotal role in fueling the growth of the SME sector, which serves as the backbone of the Nigerian economy.
Job Purpose
The SME Officer will drive business growth within the SME segment through strategic customer acquisition, proactive relationship management, credit origination, comprehensive portfolio management, and the delivery of tailored banking solutions, all while ensuring strict compliance with regulatory and risk standards.
Key Responsibilities
- Acquire and onboard new SME customers to significantly grow the business portfolio.
- Develop and maintain strong, lasting relationships with SME clients, identifying lucrative opportunities for cross-selling and enhanced customer value.
- Assess customer financing needs accurately, prepare thorough credit proposals, and closely monitor loan portfolio performance.
- Drive continuous growth in loans, deposits, and non-interest revenue in line with assigned performance targets.
- Ensure absolute compliance with credit, operational, KYC/AML, and regulatory requirements.
- Monitor market trends, competitor activities, and emerging business opportunities within the vibrant SME sector.
- Collaborate effectively with internal stakeholders to deliver exceptional customer service and operational excellence.
Key Performance Indicators (KPIs)
- SME customer acquisition and retention rates
- Loan and deposit portfolio growth
- Revenue and overall profitability performance
- Cross-sell and product penetration rates
- Portfolio quality (Portfolio at Risk / Non-Performing Loan management)
- Credit processing turnaround time
- Compliance and audit ratings
Qualifications & Experience
- Bachelor’s degree in Finance, Economics, Business Administration, Accounting, or a related field.
- 2 to 5 years of proven experience in SME, Commercial, or Business Banking, Sales, or Relationship Management.
- Demonstrated expertise in customer acquisition, credit analysis, and comprehensive portfolio management.
If you possess the required drive, qualifications, and a passion for excellence, we encourage you to apply and take the next step in your banking career with Polaris Bank Limited.
Method of Application
To apply for this position, please submit your updated CV and relevant credentials through the official application portal using the link provided below.
