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SalaryJob Description
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
Benefits- Annual bonus based on performance
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