Polaris Bank Commercial Banking Officer Recruitment 2026 – Apply Now Across 9 Locations

Polaris Bank is recruiting experienced Commercial Banking Officers across Lagos, Zaria, Yola, Imo, Abia, Osun, Ondo, Oyo and Bauchi. If you have at least seven years in commercial banking or corporate lending, this role offers a clear path to grow client portfolios and drive revenue in one of Nigeria’s Tier II banks.

The bank, created by the Central Bank of Nigeria in 2018 after taking over Skye Bank’s assets, continues to expand its commercial banking footprint. This hiring round targets professionals who can combine credit analysis with strong relationship management.

About the Commercial Banking Officer Role at Polaris Bank

The Commercial Banking Officer acts as a relationship strategist for business clients. You will move beyond simple transactions and build long-term advisory relationships that deliver value for both the client and the bank.

You will work with SMEs and mid-sized companies in your assigned location. Your main focus is understanding their financial needs, structuring suitable credit facilities, and monitoring portfolio health while staying within regulatory limits.

Key Responsibilities

Build and manage strategic partnerships with commercial clients
Conduct detailed financial analysis and cash-flow assessments
Prepare and present credit proposals that balance client needs with bank risk appetite
Identify and convert new business opportunities through your network
Monitor existing loan portfolios and ensure early warning signs are addressed
Recommend tailored banking products including loans, trade finance and cash management solutions
Collaborate with credit, risk and operations teams to deliver seamless client service
Ensure full compliance with CBN regulations and internal policies

Locations Open for Application

Polaris Bank is filling these roles in the following cities and states:

Lagos
Zaria (Kaduna State)
Yola (Adamawa State)
Imo State
Abia State
Osun State
Ondo State
Oyo State
Bauchi State

Candidates should be ready to work in the assigned branch network and travel within the region when required.

Requirements for Polaris Bank Commercial Banking Officer

To qualify, you need:

Bachelor’s degree in Finance, Accounting, Economics or a related field. An advanced degree or professional certification (CIBN, ICAN, ACCA, CFA) is an added advantage
Minimum of 7 years progressive experience in commercial banking or corporate lending
Proven track record in credit analysis, portfolio management and business development
Strong knowledge of commercial banking products and the Nigerian regulatory landscape
Excellent communication, negotiation and presentation skills

This is not an entry-level role. Polaris Bank wants candidates who already understand how to structure facilities, manage risk, and grow a book of business.

Salary and Benefits Expectations

Polaris Bank does not publish official salary figures for this role. Industry data and Glassdoor reports for similar Commercial Banking Officer positions in Nigeria put the range roughly between ₦8 million and ₦13 million per year total package for experienced officers, depending on location and performance.

Senior Banking Officers with comparable experience in other banks often earn between ₦250,000 and ₦500,000+ monthly base, plus incentives. Polaris typically offers:

Competitive base salary with performance incentives
Medical insurance and other staff benefits
Professional development opportunities
A supportive culture focused on innovation and growth

Actual offer will depend on your current package, location and negotiation.

How to Apply for Polaris Bank Commercial Banking Officer

Applications are accepted only through the official Polaris Bank recruitment portal on Zoho Recruit.

Visit the official job page: polarisbanklimited.zohorecruit.com
Search for “Commercial Banking Officer”
Create an account or log in
Upload an updated CV that highlights your 7+ years of commercial or corporate lending experience
Complete the application form carefully
Submit before the portal closes (deadline is usually not fixed, so apply early)

Do not send applications through unofficial WhatsApp numbers or third-party agents. Use only the bank’s official channel.

Tips to Stand Out in Your Application

Quantify results on your CV (e.g. “Grew commercial portfolio by ₦X billion” or “Maintained NPL below 2%”)
Highlight specific credit proposals you structured and closed
Mention any experience with CBN guidelines, credit risk frameworks or industry sectors strong in your target location
Prepare short case examples of how you turned a transactional client into a long-term relationship

Many candidates with the right years of experience still fail because their CV is too generic. Show clear commercial impact.

Career Growth Path After This Role

Successful Commercial Banking Officers at Polaris often move into Team Lead, Relationship Manager, or Regional Commercial Banking positions. Strong performers can progress into senior credit or business development roles within the bank.

The role also builds transferable skills that open doors in other Tier 1 and Tier 2 banks, development finance institutions, or corporate finance teams.

ALSO APPLY: Other current Polaris Bank openings

Why Consider Polaris Bank Now

Polaris continues to rebuild and expand its commercial franchise after the Skye Bank transition. For experienced relationship managers who want responsibility over real client portfolios outside the biggest Tier 1 banks, these openings in nine locations offer practical growth opportunities.

The bank values professionals who can deliver both volume and quality – clean portfolios with sustainable income.

Frequently Asked Questions

What is the minimum experience required for Polaris Bank Commercial Banking Officer?

You need a minimum of 7 years progressive experience in commercial banking or corporate lending. Less experience will not meet the stated requirement.

Is the application still open in August 2026?

Recent job alerts show the role is still being promoted. Always check the official Zoho Recruit portal for the current status, as openings can close without much notice.

What salary should I expect as a Commercial Banking Officer in Nigeria?

Public data suggests total packages for experienced officers often fall between ₦8m and ₦13m annually, varying by bank, location and performance. Polaris does not publish exact figures.

Can I apply if I only have experience in retail or personal banking?

The role specifically asks for commercial banking or corporate lending experience. Pure retail background is unlikely to meet the requirement.

Do I need professional certifications?

They are not mandatory but give you an edge. CIBN, ICAN, ACCA or CFA are useful additions.

Conclusion – Apply Before Slots Fill

Polaris Bank’s Commercial Banking Officer openings across Lagos, Zaria, Yola, Imo, Abia, Osun, Ondo, Oyo and Bauchi target proven relationship managers with strong credit skills. If you meet the 7-year experience threshold and can show real portfolio results, submit your application through the official portal today.

Update your CV, highlight measurable achievements, and apply directly. Good luck.

ALSO READ: How to prepare for commercial banking interviews in Nigeria