Relationship Manager, Commercial Banking Division at Access Bank Plc – Benin, Edo

Access Bank Plc is recruiting a Relationship Manager for its Commercial Banking Division in Benin, Edo State. The role grows and maintains customer relationships while managing credit quality, profitability, financial objectives and supervised account officers.

Client acquisition and credit management

• Identify prospective commercial banking customers, plan marketing visits and maintain professional client relationships.
• Acquire, develop and retain accounts by proposing financial solutions suited to customer needs and the bank’s risk appetite.
• Structure credit facilities, prepare and review credit proposals with the Group Head, and present cases to the Credit Committee.
• Monitor credit agreement compliance, address repayment issues and support loan recovery or remediation.
• Negotiate foreign-exchange and credit rates within bank-approved limits to protect profitability.

Team and business performance

• Track performance against monthly, quarterly and annual goals and required financial ratios.
• Prepare unit budgets, Monthly Profitability Reports and periodic reports for regional management.
• Train and appraise supervised Account Officers and support effective team delivery.
• Carry out duties delegated by the Zonal Head.

Requirements

• First degree in any field; a relevant master’s degree or recognised professional certification is advantageous.
• At least five years of banking experience, including two to three years in a team position.
• Credit analysis and commercial lending experience, including financial accounting, loan structuring and credit approvals.
• Strong planning, negotiation, organisation, client focus and ability to manage competing customer requests.
• Sound judgement, analytical thinking, attention to detail, professionalism and strong written and verbal communication.
• Knowledge of treasury services products is a plus.