Job Title:                   Relationship Manager, Commercial Banking – Ghana

Industry:                    Banking

Location:                    Ghana

Salary:                        Competitive Salary Package + Benefits

Job Purpose:
The Relationship Manager, Commercial Banking, will oversee a portfolio of Commercial and SME clients, ensuring portfolio growth, credit quality, and superior client service. The role focuses on driving banking solutions, enhancing customer relationships, and achieving profitability targets.

Key Responsibilities:

• Manage a portfolio of Commercial and SME clients, driving growth in assets and liabilities while ensuring client retention and satisfaction.
• Build strong relationships with key stakeholders in client organizations and identify opportunities for cross-selling banking products and services.
• Maintain high credit quality within the portfolio by adhering to the bank’s risk management policies and proactively mitigating risks.
• Develop and execute strategies to grow the commercial banking portfolio in line with the bank’s strategic goals.
• Promote trade finance solutions to clients, with a focus on import/export businesses.
• Expand the use of banking products and services across the portfolio.
• Collaborate with internal teams, including Treasury and Retail Banking, to deliver tailored solutions to clients.
• Represent the bank in client meetings, industry events, and networking opportunities to enhance market presence.
• Prepare and present performance reports, highlighting portfolio growth, risk management, and profitability.

Key Performance Indicators (KPIs):

• Growth in assets, liabilities, and off-balance-sheet products
• Increased utilization of banking products and services
• Growth in trade finance volume and revenue
• Portfolio profitability and risk management

Minimum Requirements:

• Bachelor’s degree in finance, Business Administration, Economics, or related fields
• MBA or relevant postgraduate qualification is an advantage
• Professional certifications in accountancy, banking, or risk management are preferred
• A minimum of 3 years of experience in Commercial, Business, or SME Banking
• Proven track record of managing Commercial and SME clients and driving portfolio growth
• Strong business development, client management, and negotiation skills
• Deep knowledge of banking products, trade finance, and credit risk

Competencies and Attributes:

• Excellent relationship-building and interpersonal skills
• Strong analytical and problem-solving abilities
• High ethical standards and integrity
• Ability to work under pressure and meet deadlines