Career Employment at Polaris Bank

Job Title: Relationship Manager

Location: Nigeria

Job Description
Who we are looking for:

• We are currently sourcing candidates to be recruited as Relationship Managers.
• They will be engaged in the sales of financial services and products to customers, fostering and maintaining a healthy relationship between the Bank and its existing and prospective customers.
• Engaging and organizing Marketing campaigns, marketing events, and promotional activities, maximize profits through the development of sales strategies that match consumer requirements as well as promote services, products and ideas. Contributing in the implementation of marketing strategies.

Responsibilities

• Liability and Income Generation
• Analysis and Credit Presentation
• Relationship Management
• Understanding and Selling of Bank’s Products and Services
• Achieve growth within the Key performance indicators; liability and risk asset generation, account opening, income generation, and e-banking product offering.
• Evaluate credit worthiness of customers by processing loan applications and documentation
• Monitor active loans and enforce collection and recoveries.
• Ensure the achievement of all budget parameters.
• Develop referral networks and cross-sell products and services.
• Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
• Actively seek out new sales opportunities through cold calling, networking and referrals.
• Ensure resolution of complaints to maximize satisfaction and boost customer service experience.
• Achieve a healthy portfolio and deposit mix.
• Execute marketing strategy and develop marketing campaigns.
• Ensures compliance with all internal policies and regulatory guidelines.

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Preferred Skills and Experience / Requirements

• BSc/BA in Marketing, Business Administration, or a related field.
• Minimum of 3 years work experience in marketing role in a financial institution.
• Ability to create and distribute marketing strategies and organise campaigns
• Candidates should have strong and effective communication and networking skills.
• Strong writing skills will be essential.
• Solid understanding of marketing techniques and principles as well as market research and statistical data analysis methods.
• Knowledge of MS Office and marketing software (e.g. CRM, Dynamics, Excel).
• In-depth knowledge of social media and web analytics.
• Exemplary organizational and multitasking skills.
• Outstanding communication and interpersonal skills.
• Creativity and commercial awareness.
• Strategic vision and sharp business acumen.
• A team player with a customer-oriented approach.

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should send their CV to: Careers@Polarisbanklimited.com using the Job Title as the subject of the email.

Job Title: Risk Management Officer – Credit Analysis

Location: Nigeria

Job Description
Who are we looking for:

• We are looking for candidates who will be responsible for analyzing credit proposals and financials of customers, second level review of credit applications, interface with the business areas with a view to resolve all the observed issues and provide objective lending recommendation to management.

Responsibilities

• Development of product programmes for selected businesses/markets in line with the risk appetite of the Bank.
• Development of sectorial reports/industry reviews for the Bank.
• Identifying inherent credit, financial and business risks in credit proposals and instil these into the credit and developing optimal structure for credit facilities.
• Conducts periodic review of the Bank’s credit policy in line with dynamism of the Bank’s operating environment.
• Developing and enforcing the use of an applicable checklist of supporting documents for a credit proposal before consideration.
• Working with IT in ensuring continuous improvement in technology infrastructure, process rejuvenation/revalidation and training of stakeholders in credit creations.
• Paying visits to customer’s factories/offices, suppliers/contractors, employers, collaterals including warehouses etc. to confirm credit information provided in the credit proposals.
• Ensuring that LTP maintains and updates a database of all approved credits bank-wide and render such report on monthly and quarterly basis.
• On an on-going basis, organize credit training for the account officers and relationship managers.
• Ensuring that the credit reporting format (the CPM) is updated in line with changing trend in the bank and in compliance with regulatory authorities.
• Organizing sessions with Credit Compliance, Market Risk, and Legal Department etc. for feedback looping to review credits and examining the accuracy of our credit judgments, obtaining more credit information, revising credit documentation like offer letters, and reviewing the credit process for more efficiency and effectiveness.
• Identifying and mitigating legal risks in our business activities and transactions through ensuring proper account opening documentation and maintaining good synergy in credit appraisals and legal documentations (offer letters and other commitments) review with Legal Department.
• Facilitating bank’s level of compliance to know our customers and their businesses (KYC/KYB) as well as participate in implementing processes/controls to combat money laundering and terrorist financing.

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ducational Qualification

• Minimum of a First Degree.
• Second degree and relevant professional qualification may be of advantage (preferably ICAN, ACCA)

Preferred Skills and Experience / Requirements:

• Excellent numerical and accounting skills
• Strong analytical and problem-solving skills
• Strong credit risk analysis skill
• Financial analysis and modelling skills
• Strong industry knowledge
• Computing skills
• Strong interpersonal and communication skills
• Attention to details
• Documentation and organizational skills
• Strong ethical behaviour.

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should send their CV to: careers@polarisbanklimited.com using the Job Title as the subject of the mail.

Job Title: Internal Auditor – Excess Charge Investigation

Location: Nigeria

Who Are We Looking For

• We are looking for an Investigating Officer with specialty in the review of claims on excess charges complaints.
• For this role, you should understand the credit dynamics and the applicable CBN Guide to Bank Charges.
• You should also be able to create spreadsheets and analyze quantitative data.
• Skill in Advance Excel, ACL and Active Data would be an added advantage.
• Ultimately, you should help us achieve our goals through prompt review and response to customer and regulatory enquiries.

Responsibilities

• Conduct detailed interviews and assist other investigators with in-person interviews aimed at obtaining facts.
• Reconciliation of customer’s accounts in relation to excess charges and other claims.
• Write well-structured logical and objective reports.
• Provide testimony in civil and criminal proceedings as needed.
• Obtain, analyze and evaluate accounting documentation, reports, data, flowcharts, etc.
• Obtain, analyse and evaluate accounting documentation, previous reports, data, flowcharts, etc.
• Act as an objective source of independent advice to ensure validity, legality and goal achievement.
• Engage to continuous knowledge development regarding sector’s rules, regulations, best practices, tools, techniques and performance standards.
• Report on control deficiencies to management and making recommendations to mitigate risk and add value.
• Challenging current processes across the company and identify opportunities for refinement.
• Engaging remediation of identified issues through follow-up.
• Playing an active role in the maintenance and review of policies and procedures, including ensuring they are up to date with all legislation and best practices.

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Requirements

• 3 – 5+ years of experience in the investigation of customer’s complaint, especially on credit related issues
• Passion for analytical review and preparation of reports in chronological form.
• Knowledge and experience in advance excel, ACL and/or Active Data.
• A strong understanding of Regulatory Guidelines, Consumer Protection Regulation and CBN Monetary Policies.

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should send their CV to: Careers@Polarisbanklimited.com using the Job Title as the subject of the email.