Relationship Manager – Business Banking at a Digital Microfinance Bank via Maurice Xandra – Lagos

A digital microfinance bank in Lagos is seeking a Relationship Manager for its Business Banking department. Reporting to the Group Head, Business Banking, the position focuses on SME client acquisition, deposit growth, lending opportunities and the profitability of an assigned business portfolio.

Key responsibilities

• Identify and acquire SMEs and other business customers through referrals, market visits, networking and partnerships.
• Build a business-development pipeline, present banking services and grow deposits, transaction volumes and account activity.
• Assess lending needs, financial statements, cash flows and repayment capacity; prepare credit proposals and support loan processing.
• Manage SME and commercial relationships, portfolio quality, renewals, restructurings and recovery support.
• Maintain customer onboarding records and comply with KYC, anti-money laundering and Central Bank of Nigeria requirements.
• Monitor business-sector trends, participate in industry engagement and report sales, portfolio and market performance.

Requirements

• Bachelor’s degree in Business Administration, Finance, Marketing or a related field.
• At least five years of sales experience, preferably in banking or financial services.
• Evidence of meeting sales targets and a sound understanding of business banking products.
• Strong negotiation, customer relationship, communication, presentation, analytical and financial skills.
• Relevant professional certification is an advantage.