Commercial Relationship Management Officer

Wema Bank is recruiting a full-time Commercial Relationship Management Officer. Based at the Lagos Island branch, this commercial banking role focuses on driving new customer acquisition, expanding corporate deposits, and managing loan portfolios for small and medium-scale enterprises (SMEs) and high-net-worth individuals. The officer will balance daily commercial relationship building with thorough financial credit analysis and strict risk management protocols.

• Position: Commercial Relationship Management Officer

• Location: Lagos Island, Lagos

• Employment Type: Full-time

• Job Field: Sales, Corporate & Commercial Banking

• Sales & Customer Acquisition: Execute localized commercial sales strategies, conduct group presentations, and actively onboard clients by opening various commercial, retail, and SME corporate accounts.

• Relationship & Portfolio Management: Maintain existing commercial accounts, visit corporate client sites to evaluate financing needs, and capture client loyalty through dedicated service loops.

• Credit & Risk Analysis: Extract and analyze complex corporate financial statements and cash flow forecasts. Evaluate collateral risk, structure commercial loan terms, and manage lending risks in alignment with the bank’s credit appetite.

• Compliance & KYC: Conduct strict Know Your Customer (KYC) verification processes to mitigate fraud, and audit assigned account portfolios to ensure all loan documentation is legally complete and valid.

• Customer Service & Retention: Log customer queries, perform root-cause analysis on service failures to prevent recurrence, and offer custom consultation tracks.

• Internal Collaboration: Feed market intelligence on competitor movements back to product development teams and collaborate with branch peers to meet joint target volumes.

• Education: Minimum of a Bachelor's Degree (First Degree) in any discipline. Additional postgraduate qualifications are an added advantage.

• Professional Certification: Chartered Institute of Bankers of Nigeria (CIBN) certification is required.

• Experience Baseline: 3–8 years of cognate experience in commercial bank sales, marketing, and corporate relationship management.

• Core Competencies: Strong analytical, strategic thinking, problem-solving, and team leadership skills. Must be digitally savvy with a high commitment to premium customer service.

• Competitive basic salary reflecting skills and market experience.

• Comprehensive Healthcare coverage, including specialized Elderly Care (provision to enroll one parent).

• Paid Parental Leave (Maternity and Paternity allowances).

• Profit Sharing schemes alongside an annual Year-End Bonus (13th-month salary).

• Leave Allowance and interactive corporate team-building events.