Job Summary: 
We are seeking an energetic and ambitious Graduate Trainee to join our team. This role is ideal for a recent graduate looking to kick-start their career within a fast-paced and supportive environment. As a Graduate Trainee, you will gain comprehensive knowledge of our operations, develop essential professional skills, and receive mentorship from experienced professionals.
Key... Responsibilities:

Participate in a structured training program to gain knowledge of company operations, processes, and strategies.
Engage in workshops and seminars to enhance your professional skills and knowledge.
Support various departments in day-to-day tasks and projects, gaining a holistic understanding of the business.
Assist in creating presentations and materials to effectively communicate department initiatives and goals.

Qualifications:

Bachelor’s degree or HND 
Strong interest in a banking career, with a focus on customer service and relationship building.
Excellent communication, negotiation, and interpersonal skills.
Ability to learn quickly and adapt to change in a fast-paced environment.
Proficiency in Microsoft Office Suite and CRM software is preferred.
A proactive approach to problem-solving and the ability to work independently. more

Description

We are committed to developing the next generation of innovative banking leaders. Polaris Intensive Graduate Training Program is designed to turn fresh talents into dynamic 21st-century bankers ready to transform the banking industry.
Joining our program will open you up to a world of accelerated growth and you will gain broad experience across banking operations and future-focused... skills to thrive in a digital era.
With our speed mentoring from seasoned professionals, you will gain quick insights, ask burning questions, and build meaningful connections with mentors who can fast-track your success.

Who We Are Looking For

We are looking for passionate individuals who want more than just a job – but a launching pad for an inspiring career driven by a higher purpose.
At Polaris Bank, you will become part of a culture that celebrates fresh thinking and enables you to fully live your banking passion.

Eligibility Criteria

A Bachelor's Degree with a minimum of 2:2 or HND with a minimum of upper credit
You must have completed NYSC.
Applicants must not be older than 26 years of age at the time of application. more

We are seeking a dynamic and motivated Information Technology Graduate Trainee to join our team. The ideal candidate will be a recent graduate with a strong academic background in Computer Science, Electrical Engineering, Mechanical Engineering, Computer Engineering, or Mathematics. This is a unique opportunity for a highly driven individual to kickstart their career in the field of Information... Technology.
Responsibilities: 

Engage in comprehensive training and on-the-job learning 
Collaborate with cross-functional teams on IT initiatives.
Provide support in troubleshooting and maintaining IT systems.
Contribute to the planning and execution of IT projects.

Skills:

Analytical and problem-solving skills
Basic understanding of IT principle
Strong communication and interpersonal skills.
Ability to work collaboratively.

Qualification: 

Education: Minimum 5 O ‘level credits, Bachelor’s in relevant field (2nd class lower/HND upper credit).
Certifications: IT Professional certifications are advantageous.
NYSC: Completed or possesses exemption certificate.
Age: Not older than 26 by December 2023. more

Eligibility Criteria

Minimum of a B.Sc (2nd Class) or HND (Upper Credit) in any discipline.
Must have completed NYSC and awarded a discharge certificate.
Possess Five (5) ‘Level Credits that include English and Mathematics at not more than 1 sitting; WAEC or NECO Certificate is required.
Age not more than 25 years old by December 31, 2023. (National Population Birth Certificate required,... Declaration of Age is not acceptable). more

Who we are looking for:
We are looking for candidates that will ensure good customer management and increase customer base/ business volume through quality service delivery and sales.
Reporting Relationship

 Reports to:    Regional Branch Coordinator
 Supervises:    Cash Officer, Head Customer Service and Head, Transaction services

Responsibilities

Ensure effective/efficient... implementation of bank-wide policies with respect to branch customer services
Coordinate activities of the service delivery team
Ensure adherence of team members to the bank’s service charter, policies and procedures
Execute sales for all consumer banking products of the Bank
Promptly resolve customer issues and complaints on customer service related matters
Oversee and monitor standardization in customer service delivery across the branch especially retail customers to ensure consistency of service delivery bank wide
Provide feedback to Branch Coordination on the activities and service delivery status in the branch
Ensure the maintenance of a suitable ambience in the Banking Hall
Review customer account opening documents for completeness
Ensure efficient service delivery on customer account management activities – account opening, cheque printing, standing orders, etc
Maintain safe custody of cheque books, customers’ files and signature cards
Provide other units/branches with customer related information
Manage the issuance of customers monthly account statements
Evaluate the level of customer satisfaction through the conduct of surveys and initiate corrective measures to address issues observed
Review all processes within the service area and suggest improvement opportunities
Ensure effective / efficient implementation of bank-wide policies with respect to branch operations
Ensure proper documentation of all branch transactions and authorise transactions above limits of Transactions Officers and Cash Officer.
Receive inward clearing box from the Head of Central clearing
Ensure cheques paid through clearing are properly authorized and covered by sufficient account balances
Identify overdrawn accounts and liaise with Business Development Manager to approve or reject overdrawn cheques 
Supervise counting of vault cash and verify agreement with cash register
Ensure adequate float is maintained for all cheques presented for payment through clearing
Perform end of day balancing to ensure all cash/cheques are posted correctly and appropriate accounts balanced
Process clearing cheques for onward transmission to Head Office or payment into appropriate customer accounts
Ensure all remittances, returns and reports due to Regulatory authorities, Government agencies and departments are done promptly and efficiently.
Prepare regular management reports to the Regional Co-coordinator based on up-to-date financial information on branch position and performance to facilitate management decision making   
Ensure all GLs within the branch are proofed as at when due
Perform end of day balancing to ensure all transactions are processed correctly and appropriate accounts balanced
Ensure adequate charging of commission on services (e.g. NITEL, shares, VAT, drafts) and remittance to appropriate quarters
Verify and process Western Union transactions at the branch
Supervise activities of operations staff to ensure efficient service delivery
Monitoring of fixed Assets in the branch

Preferred skills and experience/Requirements

Excellent Customer Account Servicing/ Management skills
Good knowledge of accounting and banking operations (Domestic & International Operations)
Excellent customer relationship management
Sales and Marketing skills
Knowledge of banking products
Good negotiation, problem-solving and conflict resolution
Good knowledge & understanding of banking operations (Domestic & International Operations)
Good knowledge of core banking application (Flexcube)
Good products knowledge
Process management and documentation skills
Good communication skills (oral & written)

Educational Qualification

University degree. Any additional qualification will be added advantage

Work Experience

Minimum of 5 years in Branch Services Operation (Customer Service, Transaction processing and Tellering) more

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.

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

Educational Qualification

Minimum of first degree.
Second degree and relevant professional qualification may be of advantage (preferably ICAN, ACCA) more

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.

Preferred skills and experience/Requirements

Minimum of 3 years work experience in marketing role in a financial institution.
Ability to create and distribute marketing strategies and organise campaigns
BSc/BA in Marketing, Business Administration, or a related field.
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. more

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. 
Preferred skills and experience/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 more