Relationship Officer Job at Personal Trust Microfinance Bank

Personal Trust is a Microfinance Bank Limited in Lagos and a subsidiary of First Ally Capital Limited (FACL). Formerly known as Personal Trust Savings and Loans, the Bank was registered in 1993 and operated as a Mortgage Bank until its conversion to a Microfinance Bank in 2014. Personal Trust has a branch network at strategic locations in Lagos State and provides banking services to individuals, micro, Small and medium enterprises (MSME).

We are recruiting to fill the position below:

Job Position: Relationship Officer

Job Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Description

  • A Relationship Officer is responsible for prospecting, marketing, business development, and income generation in line with the key performance indicators.
  • The Relationship Officer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

  • Achieve growth within the key performance indicators: liability and risk asset generation, account opening, income generation, and e-banking product offerings.
  • Evaluate the creditworthiness of customers by processing loan applications and documentation.
  • Monitors active loans and enforces collection and recoveries.
  • Ensures the achievement of all budget parameters.
  • Expedites the resolution of complaints to maximize satisfaction and boost the customer service experience.
  • Achieve a healthy portfolio and deposit mix.
  • Executes marketing strategies and develops marketing campaigns.
  • 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.
  • Ensures compliance with all internal policies and regulatory guidelines.
  • Monitors competition by gathering current marketplace information on pricing, products, etc.
  • Recommends changes in products, services, and policies by evaluating results and competitive developments.
  • Identify potential loan markets and develop referral networks.
  • Perform any other duties as may be assigned by Management.

Qualifications and Experience

  • Candidates should possess a B.Sc / HND in Social Science or any other related course.
  • 3 - 10 years of work experience
  • Evidence of completion / exemption from NYSC.
  • Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.


  • Demonstrated ability to communicate, present, and influence credibly and effectively at all societal levels.
  • Proven ability to drive the sales process.
  • Strong business sense and industry expertise.
  • Basic understanding of sales principles and customer service practices.
  • Friendly, helpful, confident, and engaging personality.
  • Excellent communication and interpersonal skills.
  • Ability to work in a goal-oriented environment.
  • Ability to work in a team
  • Strong planning, organizational, and time management abilities
  • Proficient in the use of the MS Office suite.

Method of Application
Interested and qualified candidates should send their CV to: using the Job Position as the subject of the mail.