Job Title: Purchase Order Financing Relationship Manager
Location: Victoria Island, Lagos
Department: Commercial/Trade Finance/SME Lending
Reports To: Head of Commercial Banking
Job Summary:
The Purchase Order Financing Relationship Manager is responsible for originating, structuring, and managing purchase order finance transactions. The role involves identifying eligible businesses, evaluating PO financing requests, managing client relationships, monitoring risk, and ensuring timely repayment. The ideal candidate is proactive, analytical, and experienced in credit/lending and trade finance.
Key Responsibilities:
- Client Acquisition & Relationship Management:
- Identify and onboard SMEs and businesses requiring PO financing.
- Manage relationships with new and existing clients, ensuring excellent customer experience.
- Conduct client visits, due diligence, and business assessments.
- Credit & Risk Assessment:
- Analyze clients' purchase orders, supplier contracts, and financial statements.
- Evaluate risk and structure financing solutions that align with internal risk appetite.
- Collaborate with credit and risk teams for transaction approval.
- Transaction Management:
- Oversee disbursement of funds tied to valid purchase orders.
- Monitor supplier delivery, invoice submissions, and client repayments.
- Resolve operational issues and ensure compliance with agreed terms.
- Portfolio & Performance Monitoring:
- Monitor loan performance and ensure adherence to repayment schedules.
- Flag delinquent accounts early and coordinate recovery strategies.
- Maintain accurate and up-to-date client records and reports.
- Collaboration & Reporting:
- Work closely with the credit, operations, and collections teams.
- Prepare regular reports on portfolio performance, risks, and opportunities.
Key Requirements:
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field.
- Minimum of 3–5 years experience in SME lending, trade finance, or credit risk.
- Solid understanding of purchase order financing, supply chain, and credit risk analysis.
- Strong sales, communication, and negotiation skills.
- Proficiency in Microsoft Office (especially Excel) and CRM tools.
- Ability to work under pressure and meet deadlines.
- Digitally Savvy and understand current trend in business technology.
Preferred Qualifications:
- Professional certification (e.g., ACCA, CFA, CIBN, or relevant credit certification).
- Prior experience in a microfinance bank, fintech, or trade finance institution.
Job Type: Full-time
Pay: ₦500,000.00 - ₦600,000.00 per month
Application Question(s):
- What is your gender?
- How much do you currently earn?
- How soon are you able to resume?
- Where do you stay?