Relationship Officer - Banking Experience

Job Summary

• We are seeking a proactive, commercially driven, and customer-focused Relationship Officer with banking experience to acquire new customers, manage existing relationships, grow the customer portfolio, and contribute directly to revenue and business growth.
• The successful candidate will be responsible for identifying and converting prospective customers, managing customer accounts and relationships, promoting financial products and services, generating deposits and business opportunities, and achieving assigned sales and portfolio targets.
• The ideal candidate should have practical experience in banking, relationship management, customer acquisition, sales, account management, or financial services. The candidate must be confident engaging individuals, SMEs, corporate clients, and other stakeholders and should demonstrate strong communication, sales, networking, negotiation, and customer service skills.

Key Responsibilities
Customer Acquisition & Relationship Management:

• Acquire new customers and grow the organization's customer base through proactive business development and relationship management.
• Identify prospective customers through referrals, networking, field visits, existing contacts, market research, and other approved channels.
• Build and maintain strong, professional, and long-term relationships with existing and prospective customers.
• Conduct regular customer engagement and follow-up activities to understand customer needs and identify business opportunities.
• Serve as a key point of contact for assigned customers and provide timely support and relationship management.
• Maintain regular communication with customers to promote retention, satisfaction, and account growth.
• Develop a strong understanding of customers' financial needs, business activities, and transaction patterns.
• Identify opportunities to deepen customer relationships and increase the value of existing accounts.

Sales & Business Development:

• Drive sales of the organization's financial products and services to existing and prospective customers.
• Generate qualified leads and convert prospects into active customers.
• Develop and maintain a strong sales pipeline and ensure consistent follow-up on prospective customers.
• Meet and exceed assigned customer acquisition, deposit, revenue, loan, transaction, or other applicable business targets.
• Identify cross-selling and upselling opportunities across relevant products and services.
• Develop and implement effective strategies for acquiring and retaining high-value customers.
• Participate in customer acquisition campaigns, marketing activities, networking events, and field business development initiatives.
• Conduct presentations and explain relevant products, services, features, benefits, and requirements to prospective customers.
• Negotiate and facilitate customer engagements within approved policies and procedures.
• Monitor competitors, market developments, customer preferences, and emerging business opportunities.

Banking & Account Management:

• Manage assigned customer accounts and portfolios in accordance with organizational policies and procedures.
• Monitor account activity and identify opportunities, unusual patterns, service issues, or potential risks requiring attention.
• Support account opening, documentation, onboarding, and other customer account processes.
• Ensure customer documentation is complete, accurate, and updated as required.
• Follow up on inactive, dormant, underutilized, or potentially high-value accounts to improve account activity and customer engagement.
• Support customers with relevant banking or financial service enquiries and coordinate with internal teams where necessary.
• Maintain accurate customer records and ensure all customer interactions and business activities are properly documented.
• Follow up on outstanding customer requests and ensure timely resolution.

Deposits & Portfolio Growth:

• Drive deposit mobilization and growth within the assigned customer portfolio.
• Identify opportunities to attract new deposits and increase existing customer balances.
• Develop relationships with individuals, SMEs, corporate organizations, institutions, and other potential depositors where applicable.
• Monitor portfolio performance and develop strategies to improve customer activity and revenue contribution.
• Identify opportunities for additional financial products and services based on customer needs.
• Support the achievement of overall branch, team, and individual business targets.

Customer Service & Retention:

• Provide professional and responsive service to customers.
• Resolve routine customer complaints and service issues or escalate them appropriately.
• Maintain strong customer satisfaction and engagement.
• Follow up with customers after onboarding, product uptake, transactions, or service requests.
• Identify potential customer dissatisfaction and take proactive steps to address concerns.
• Maintain professional relationships while ensuring compliance with organizational policies and service standards.

Compliance & Risk Management:

• Ensure customer acquisition and account management activities comply with applicable banking regulations and internal policies.
• - Support proper Know Your Customer (KYC), customer due diligence, and documentation requirements.
• Ensure customer information and documentation are properly maintained and updated.
• Identify and escalate suspicious transactions, fraudulent activities, documentation issues, or other potential risks in accordance with established procedures.
• Maintain confidentiality of customer, financial, and organizational information.
• Ensure all sales and customer engagement activities are conducted ethically and professionally.

Reporting & Performance Management:

• Maintain accurate records of customer acquisition, sales activities, account performance, leads, and business opportunities.
• Prepare daily, weekly, and monthly relationship management and sales reports as required.
• Track performance against assigned KPIs, customer acquisition targets, deposit targets, revenue objectives, and portfolio growth objectives.
• Monitor the progress of prospects from lead generation through onboarding and activation.
• Provide management with relevant market, customer, and competitor feedback.
• Identify challenges affecting portfolio growth and recommend appropriate solutions.

Key Performance Areas
Performance in this role will be assessed based on:

• New customer acquisition.
• Deposit mobilization and growth.
• Revenue and income generated.
• Achievement of assigned sales targets.
• Growth and quality of assigned customer portfolio.
• Customer retention and account activity.
• Lead generation and lead-to-customer conversion.
• Cross-selling and upselling performance.
• Number and quality of customer relationships developed.
• Customer satisfaction and service quality.
• Accuracy and completeness of customer documentation.
• Compliance with KYC, regulatory, and internal requirements.
• Timeliness and quality of performance reports.
• Overall contribution to branch, team, and organizational business objectives.

Eligibility Criteria

• Age: 24–30 years.
• Education: HND or B.Sc. in Banking and Finance, Accounting, Economics, Business Administration, Finance, Marketing, or a related discipline.
• Minimum of 2 years of relevant banking or financial services experience.
• Previous experience as a Relationship Officer, Account Officer, Relationship Manager, Marketing Officer, Business Development Officer, Customer Service Officer, or similar banking role is strongly preferred.
• Practical experience in customer acquisition, account management, sales, deposit mobilization, relationship management, or financial services.
• Proven ability to acquire and retain customers and contribute to business growth.
• Good understanding of banking products, customer service processes, account management, and financial services.
• Experience working with sales targets, customer portfolios, deposits, loans, or revenue objectives is an advantage.
• Strong knowledge of customer relationship management principles.
• Proficiency in Microsoft Office applications, particularly Microsoft Excel and Word.
• Familiarity with CRM systems, banking platforms, or customer management tools is an advantage.
• Excellent written and verbal communication skills.
• Strong numerical, analytical, and problem-solving abilities.
• Candidates should preferably be resident in Abuja or have strong knowledge of the Abuja market.

Professional Experience:
The ideal candidate should demonstrate practical experience in one or more of the following areas:

• Retail or commercial banking.
• Relationship management.
• Customer acquisition and retention.
• Deposit mobilization.
• Account management.
• Financial product sales.
• Business development.
• SME or corporate banking.
• Customer service and client engagement.
• Portfolio management.
• Cross-selling and upselling.
• Banking operations and customer onboarding.

Core Competencies:

• Strong customer relationship management skills.
• Excellent sales and business development abilities.
• Strong customer acquisition and retention skills.
• Excellent communication and interpersonal skills.
• Strong networking and relationship-building capabilities.
• Target-driven and commercially focused mindset.
• Strong negotiation and persuasion skills.
• Excellent customer service orientation.
• Strong problem-solving and critical-thinking abilities.
• Good numerical and analytical skills.
• Strong follow-up and lead-conversion abilities.
• Ability to manage multiple customer relationships and priorities.
• Strong organizational and time-management skills.
• High level of integrity, professionalism, and confidentiality.
• Ability to work independently while collaborating effectively with a team.
• Resilience and ability to work effectively under pressure.

Additional Requirements:

• Must be comfortable with proactive customer acquisition and business development activities.
• Must be willing to conduct field visits and meet prospective and existing customers when required.
• Must be comfortable working with sales and performance targets.
• Must demonstrate confidence when engaging customers and senior business stakeholders.
• Must be willing to network and develop new business relationships.
• Strong knowledge of the Abuja business and commercial environment is an advantage.
• Existing relationships within the banking, SME, corporate, or business community will be an added advantage.

Relevant Skills:

• Relationship Management
• Customer Acquisition
• Banking & Financial Services
• Deposit Mobilization
• Account Management
• Retail & Commercial Banking
• Business Development
• B2B & B2C Sales
• Lead Generation & Conversion
• Customer Retention
• Cross-Selling & Upselling
• Portfolio Management
• Financial Product Sales
• Customer Service
• KYC & Customer Due Diligence
• Sales Pipeline Management
• Negotiation & Persuasion
• Market Development
• Microsoft Excel & Word
• CRM & Customer Management
• Reporting & Documentation
• Communication & Interpersonal Skills
• Networking
• Target & Performance Management

Career Development:

• The role provides practical exposure to relationship management, customer acquisition, banking products and services, deposit mobilization, portfolio management, sales, business development, customer retention, and financial services operations.
• Successful candidates will have opportunities to develop their expertise and progress within relationship management, sales, business development, commercial banking, retail banking, or other relevant financial services functions based on performance, experience, and organizational requirements.

Application Closing Date
15th October, 2026.

How to Apply
Interested and qualified candidates should send their CV and Portfolio to:  using the job title as the subject of the email

Note

• Only candidates who meet the required banking experience and relationship management criteria will be shortlisted.
• Candidates with proven experience in customer acquisition, deposit mobilization, portfolio management, and achievement of banking sales targets will be strongly considered.

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