Relationship Manager, SME Banking (Lagos)

About this role

This role is for a Relationship Manager in SME Banking at Standard Chartered Bank in Lagos. The role focuses on onboarding and growing relationships with small and medium-sized business clients, leveraging the bank’s global network to support international trade and deliver tailored financial solutions. The successful candidate will work with multiple teams to support Trade Finance activities, boost deposit mobilization, and build long-term client engagement through understanding SME needs and market dynamics. The position requires proactive leadership in acquiring clients, managing portfolios, and cross-selling while complying with regulatory guidelines and the bank’s values.

What you would do

• Identify and acquire Trade and SME clients with high deposit potential, focusing on current accounts and low-cost deposits.
• Prospect and engage new-to-bank Trade SME businesses across sectors using ecosystems, alliances, targeted lists, and local market knowledge.
• Promote digital banking usage by setting up online banking, POS, client centres, and ATMs for clients.
• Collaborate with specialist teams to deepen relationships with high-value or growth-potential clients using SME product offerings.
• Assess client needs and provide trade finance products, structured deposits, cash management, and payment solutions aligned with business cycles.
• Provide actionable client feedback and market intelligence to leadership through reports.
• Lead client engagement in sectors such as Trade, Maritime, Oil & Gas, IT, NGOs, Healthcare, Education, and Commerce.
• Drive growth in Trade Finance and deposits by promoting Letters of Credit, Bank Guarantees, and import/export financing.
• Coordinate with Trade Operations and Treasury to ensure smooth end-to-end trade processing and service delivery.
• Adhere to KYC, AML, and all bank policies and risk management standards and uphold the bank’s values.

What they are asking for

• A good first degree in Business, Finance, Economics or related fields, or equivalent professional qualifications from reputable associations with practical experience.
• Specialised knowledge or certification in trade finance instruments and global trade regulations is advantageous.
• Solid knowledge of SME banking products and lending instruments for diverse industries.
• Extensive experience in Trade Finance and relationship management for clients engaged in trade.
• Strong competence in transaction banking products and deposit mobilization with risk awareness.
• Understanding of credit and risk assessment in SME banking.
• Industry and sector knowledge to tailor solutions to market needs.
• Up-to-date knowledge of regulatory and compliance obligations in banking and trade finance.
• Excellent communication and interpersonal skills for negotiating and maintaining client relationships.
• Minimum of 5 years' post-graduate banking experience, with emphasis on trade finance or SME relationship management.

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