Job Title : Director, Commercial & SME Banking
Reports to : Divisional Director, Retail Banking
Client : Banking Institution
Salary : Excellent Package Salary
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
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
SALES AND MARKETING
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
COMPLIANCE AND CONTROL
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.
COMMUNICATIONS AND WORKING RELATIONSHIPS
BSSM’s & RSSMs
Customer Care Team
Competitor Institutions in the country
Unit Heads within Retail Banking
Unit Heads within other Business and Support Units
Divisional Director, Retail Banking
KNOWLEDGE, SKILLS AND EXPERIENCE REQUIRED
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