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Director, Commercial & SME Banking

Job Description

Job Title: Director, Commercial & SME Banking

Reports to:             Divisional Director, Retail Banking

Client:        Banking Institution

Location:   Ghana

Salary:      Excellent Package + Salary

Visa Type: Only Ghanaians (Home & Abroad)


To provide focus in business direction, support and advice to Retail Banking business to enable them achieve Commercial Banking sales and service targets .

Review and drive Commercial & SME Banking sales and service

Co-ordinate sales campaigns and activity

  • Develop, co-ordinate and drive Commercial & SME Banking activities and strategy of the bank.
  • Providing Commercial & SME Banking guidance on the overall and operation business plan and performance targets.


  • Commercial SME Banking growth
  • Required to deliver 50% of Retail Banking net income and  net profit


      BUSINESS MANAGEMENT                      

  • Preparation of Budgets, Business plans, Target Market studies, Risk Asset acceptance Criteria and strategy documents for the department consistent with Economic and Market conditions and the Bank’s overall strategy
  • Manage progress against plans, reporting to Divisional Director, Retail Banking and other key stakeholders and work with colleagues to identify areas of improvement
  • Evaluate , monitor, and control business performance against agreed performance targets and taking corrective action against significant deviations


  • Build and develop a high performing team through embedding performance development and coaching. Ensure that team members receive coaching and feedback in order to develop and achieve their maximum potential.
  • Formulate strategic operations plans to achieve assigned Commercial Banking volume and revenue targets, through expansion of the bank’s deposit and saving base, and lending products.
  • Establish and maintain excellent working relationships with key stakeholders and colleagues in own and other functions to deliver first class sales and service to customers.
  • Responsible for servicing and developing the Small Business portfolio, building positive and profitable quality working relationships with potential and existing customers
  • Drive the Commercial Banking Assets and Liabilities
  • Ensure that remedial actions are taken when required to keep performance (NPL) in line with business objectives.
  • Develop and implements suitable marketing and product strategies on assets, liabilities, transactional and alternate channel products .
  • Develop and implement product and services  and solicits new business prospects


  • Achieve operational excellence in all aspects of procedures and processes undertaken to ensure satisfactory audit.
  • Abide by the bank’s Information Security Management Systems policies and procedures
  • Safeguard the bank’s information assets in accordance with its ISMS policies and procedures
  • Ensure compliance with operations risk requirements e.g. KYC and money laundering.


  • BSSM’s & RSSMs
  • Customer Care Team
  • Relationship Managers
  • Credit Analyst
  • Hub Manager
  • Competitor Institutions in the country
  • Unit Heads within Retail Banking
  • Unit Heads within other Business and Support Units
  • Divisional Director, Retail Banking


  • Minimum first degree (A masters degree or higher qualification is desirable) with 10years relevant experience in Commercial & SME Banking
  • In-depth knowledge in Retail Banking products and services.
  • Excellent knowledge of all Retail Banking products, procedures and policies.
  • Excellent communication and presentation skills.
  • Good awareness of wider Bank issues and policies, particularly to Commercial & SME Banking customers.
  • Thorough appreciation of Central Banks rules, regulations and procedures relating to Commercial & SME Banking
  • Excellent marketing and sales skills
  • Good interpersonal and communication skills
  • Excellent interpersonal and negotiation skills



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