About Company

Guaranty Trust Holding Company Plc (GTCO) is a leading African financial institution with a strong and respected reputation for innovation, service excellence, and robust corporate governance. Through our flagship banking subsidiary, Guaranty Trust Bank, we offer a wide range of market-leading financial products and services to millions of retail and corporate customers across Africa and the United Kingdom.

Our brand is synonymous with trust, integrity, and a commitment to creating value for all our stakeholders. We are a thought leader in the African banking space, pioneering digital solutions and setting new standards for customer experience. Our corporate headquarters in Victoria Island, Lagos, is a hub of innovation where we nurture the brightest minds in the financial industry to build exceptional careers.

Job Description

Are you a sharp, results-oriented banking professional with a talent for building and nurturing strong client relationships? Guaranty Trust Holding Company (GTCO) Plc is seeking a dynamic and highly analytical Account Officer to join our esteemed Corporate Banking team at our headquarters in Victoria Island, Lagos. This is not an entry-level position; it is a pivotal role for an experienced professional who will be responsible for managing and growing a portfolio of high-value corporate clients.

As an Account Officer, you will serve as the trusted financial advisor to your clients, understanding their business needs and providing them with tailored banking solutions. You will be at the forefront of our business, responsible for driving profitability, managing risk, and deepening our market penetration. If you are a strategic thinker with a passion for finance and a proven track record in relationship management within the Nigerian banking sector, we invite you to apply for this exciting and rewarding career opportunity.

What You Will Do

• Proactively manage and nurture a dedicated portfolio of corporate client accounts to maximize long-term profitability and customer satisfaction.
• Drive business growth by identifying and developing new business opportunities through the sourcing and successful onboarding of new corporate clients.
• Conduct in-depth analysis of client financial statements to prepare detailed and compelling credit proposals for loans and other credit facilities.
• Act as the primary, dedicated point of contact for your clients, providing expert advice on the bank’s full range of products and services.

NOTE: This job post was originally published on Ombek.com. To apply for this job or for more details, please visit the original post at "Ombek.com"

Key Responsibilities

• Develop and execute detailed account plans and relationship strategies to grow revenue and product penetration within your assigned client portfolio.
• Actively market the bank's full range of corporate and commercial banking products, including term loans, trade finance, treasury services, and digital banking solutions.
• Conduct thorough financial analysis, due diligence, and risk assessment to prepare and present comprehensive credit applications for review and approval.
• Carefully monitor the performance of your loan portfolio, ensuring full compliance with all credit terms and proactively managing any potential risks or delinquencies.
• Ensure excellent and timely service delivery by effectively coordinating with other internal departments (e.g., Credit, Operations, Treasury) to meet all client needs.
• Prepare regular, insightful reports on portfolio performance, business development activities, and market intelligence for senior management.

Required Skills

• Strong and demonstrable business development, sales, and relationship management skills.
• Excellent credit analysis and financial appraisal skills, with a keen eye for detail.
• A thorough and up-to-date understanding of corporate banking products, services, and the Nigerian regulatory environment.
• Strong negotiation, presentation, and executive-level communication skills.
• A high level of professionalism, personal integrity, and a consistently results-driven mindset.

Preferred Qualifications

• A Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related field with a minimum of a Second Class Upper Division (2:1).
• A minimum of 2-4 years of direct, hands-on experience as an Account Officer or Relationship Manager in a commercial or corporate banking division of a reputable bank in Nigeria.
• A relevant professional certification (e.g., ACA, ACCA, CIBN) is a strong advantage.
• Demonstrable and proven experience with credit analysis, financial modeling, and interpretation of financial statements.

Perks & Benefits

• A highly competitive monthly salary and eligibility for attractive performance-based incentives and bonuses.
• A comprehensive medical insurance plan (HMO) for you and your eligible family members.
• A robust contributory pension scheme managed by a leading PFA.
• Access to a range of staff benefits, including subsidized loans (e.g., mortgages, car loans) after confirmation.
• A clear and structured career path with access to both local and international training and development programs.

Frequently Asked Questions

Is this an entry-level or graduate trainee role?

No, this is a professional banking position. It requires a minimum of 2-4 years of relevant, post-NYSC experience in a Nigerian commercial or corporate bank.

What does an Account Officer in corporate banking do?

In this role, you will manage a portfolio of business clients, helping them with their financial needs such as loans, trade transactions, and cash management, while also actively seeking new business for the bank.

What are the minimum academic requirements for this position?

A Bachelor's degree from a recognized university with a minimum of a Second Class Upper Division (2:1) is a strict requirement.

Where is the office for this role located?

This position is based at our corporate headquarters in the heart of the financial district on Victoria Island, Lagos.

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