Job Title:                     Head, Commercial Banking -Ghana

Industry:                      Banking

Location:                    Ghana

Salary:                         Competitive Salary Package + Benefits

JOB OBJECTIVE(S)

To lead a team tasked with promoting and effectively managing the Bank’s Commercial Bank to achieve the bank’s volume, growth and market share and profitability with minimal risk exposure

DUTIES & RESPONSIBILITIES

• Drive client acquisition and management of existing Commercial client relationships consistent with the Bank’s strategy in-order to achieve desired quality of business growth.
• Primary responsibility for the management of own portfolio of customers ensuring that they receive the appropriate level of service and advice to meet their specific needs.
• Identify and develop commercial banking relationships
• Enhance client retention by providing a one-stop point of contact for all the client’s needs and requirements while providing world class customer service.
• Establish and develop various  sales strategies  to meet ever changing customer needs in liaison with the Product Development Team
• Maintain, acquire and reactivate customer relationships to improve deposit liability growth and mix.
• Conduct market research and competitor analyses within marketing area and develop strategies that will give the bank a large part of the market within its vicinity.
• Recommend the creation of viable and profitable risk assets to increase business office profitability.
• Sourcing for and monitoring of customer’s tenured investment / facilities.
• Design product offerings tailored to meet the needs of the commercial sector in the country while maintaining regular contacts with their executives to push the Bank’s business.
• Initiate and carry out recovery action on non-performing credits facilities         

KEY PERFORMANCE INDICATORS

• Achieve the approved Commercial Banking PBT target for the Bank
• 100 % attainment of annual targets (Deposits, Risk Assets, fees & commission, client conversions)

JOB REQUIREMENTS

Education

 Minimum education level: First degree

Experience

Minimum experience: 8 years relevant banking experience in related field

KEY COMPETENCY REQUIREMENTS

Knowledge

• Bank Policies, Procedures and Guidelines
• Legal/Regulatory framework
• Innovative, able to identify and adapt products and services to a range
• Exceptional relationship management skills required      

Skill/Competencies

• Professional disposition
• Deep knowledge of the required bank products and markets.
• Good networking, communication and interpersonal skills
• Problem solving skills
• Result Orientation
• Reporting skills
• Attention to detail
• Analytical Thinking
• Workload Management
• Leadership & Team Management Skills