Business Executive, Institutional Banking at Kloverharris Limited

KloverHarris Limited is a leading business consulting and human resources company that specializes in providing comprehensive solutions in Learning and Development, HR Outsourcing, Business Consulting, and Information Technology. With a steadfast commitment to excellence and a customer-centric approach, we empower organizations to optimize their human resources, drive growth, and achieve sustainable success.

We are recruiting to fill the position below:

Job Title: Business Executive, Institutional Banking

Location: Lagos
Employment Type: Full-time

Job Summary

• The Business Executive, Institutional Banking is a senior executive accountable for driving the bank’s growth, profitability, and market positioning in the institutional segment.
• This includes government entities, blue economy stakeholders (maritime, fisheries, ports, logistics, renewable energy), and other high-value institutional clients such as multinationals, NGOs, and public-private partnerships
• This role blends strategic leadership, market insight, relationship management, and operational oversight, ensuring the bank remains a trusted financial partner, drives innovative sector-specific solutions, and mitigates risk while delivering strong returns.

Responsibilities
Strategic Leadership & Market Development:

• Develop and execute the bank’s institutional banking strategy with a focus on sustainable revenue growth.
• Identify and prioritize strategic sectors, including blue economy initiatives, government projects, infrastructure finance, and corporate solutions.
• Translate macroeconomic, regulatory, and policy insights into commercial opportunities.
• Lead market intelligence and competitor analysis to inform product and service innovation.
• Align portfolio strategy with organizational goals, maximizing profitability and client satisfaction.
• Drive business development initiatives to expand market share without overreliance on a single sector.

Institutional Client & Stakeholder Management:

• Act as the primary executive interface for major institutional clients, including CEOs, CFOs, DGs, Ministers, and Board-level stakeholders.
• Lead relationship management strategies, ensuring long-term partnerships and trust-building.
• Advise clients on financing strategies, capital projects, trade, and treasury solutions.
• Represent the bank in industry forums, government consultations, and sectoral initiatives, positioning the bank as a thought leader.
• Facilitate multi-sector partnerships and public-private collaborations for project financing.

Credit, Risk & Portfolio Oversight:

• Approve and structure high-value, complex credit proposals, ensuring commercial viability and alignment with risk appetite.
• Monitor institutional portfolios to maintain quality, diversity, and profitability, minimizing NPLs and sector concentration risk.
• Implement robust risk assessment frameworks for emerging sectors like the blue economy where conventional credit models may be less applicable.
• Ensure compliance with regulatory, governance, and internal policy standards, including CBN guidelines, AML/KYC, and environmental/social governance (ESG) considerations.
• Provide strategic oversight on portfolio optimization, pricing, and collateral structuring.

Product Innovation & Sector Solutions:

• Collaborate with treasury, product, digital, and operations teams to design customized financial solutions for sector-specific clients.
• Promote digital adoption and automated solutions, enhancing client experience and operational efficiency.
• Develop innovative financing structures for government projects, maritime initiatives, renewable energy, fisheries, and related infrastructure.
• Continuously benchmark products against competitors, ensuring market relevance, profitability, and client satisfaction.

Leadership, People & Performance:

• Lead a high-performing team of relationship managers, product specialists, analysts, and sector advisors.
• Set performance objectives, KPIs, and growth targets for both individuals and the team.
• Implement structured mentoring, coaching, and capacity-building programs.
• Promote a culture of accountability, innovation, collaboration, and client-centricity.
• Oversee talent acquisition and succession planning for institutional banking leadership roles.

Governance & Operational Excellence:

• Ensure strict adherence to governance frameworks, operational standards, and compliance requirements.
• Drive process improvements, ensuring operational efficiency and reduced turnaround times.
• Collaborate with risk, operations, legal, finance, and IT to ensure end-to-end delivery excellence.
• Maintain readiness for audits, regulatory reviews, and internal assessments.

KPIs

• Institutional revenue growth and P&L contribution
• Client acquisition, retention, and satisfaction metrics
• Portfolio quality and risk-adjusted performance
• Sector diversification and market share expansion
• Team performance, talent development, and succession readiness
• Compliance and governance adherence

Working Relationships:

• Internal: Risk, Treasury, Product, Operations, Legal, Finance, Strategy Teams
• External: Institutional clients, government ministries, regulators, industry associations, sector partners

Qualifications & Experience

• Bachelor’s Degree in Finance, Economics, Business, or related field (Master’s preferred).
• 15 - 20 years in institutional banking, including at least 5 years in senior leadership.
• Experience in government, infrastructure, or emerging sector financing (maritime, fisheries, renewable energy, etc.) is highly desirable.
• Strong record of credit structuring, portfolio management, and executive client engagement.
• Professional certifications (CIBN, CFA, ACCA) advantageous.

Core Competencies:

• Strategic vision and market insight
• Executive relationship and stakeholder management
• Sector-specific product and solutions expertise
• Credit structuring and risk management
• Team leadership, performance, and development
• Digital adoption and analytical decision-making
• Communication, negotiation, and influence
• Regulatory, governance, and ESG awareness.

Attributes for Success:

• Strong executive presence and credibility
• Commercially oriented with innovative thinking
• Resilient, adaptable, and strategic mindset
• Ability to influence key stakeholders at executive and governmental levels
• Commitment to ethical banking, sustainability.

Application Closing Date
31st December, 2025.