Responsibilities

• Defining the Banks Commercial Banking strategy with the top management and developing and driving implementation of the strategy and ensuring successful alignment with the overall strategy of the Bank to optimize profitability and maximize market share.
• Building strong revenue generating portfolio of fund based and fee business and providing complete financial solutions to Commercial Banking clients on a national, regional and international basis.
• Formulating budgets for the business segment and championing systems for conducting periodic reviews to monitor performance.
• Defining the target market, utilizing all relevant marketing initiatives i.e. relationship plans, pipeline etc., and incorporating portfolio management strategies into the Division's overall business plan.
• Building and implementing diversified business streams in Commercial Banking to ensure minimum susceptibility to market risks and vulnerabilities and making the business resilient to market forces.
• Ensuring desired levels of credit quality in the business portfolio by reviewing key credit proposals, overseeing design of processes and procedures that assist in evaluating risk and contributing to continuous improvement of credit policies of the bank.
• Devising and championing strategies for development of a portfolio of credit worthy clients with potential to generate sizeable income for the bank.
• Ensuring that the budgeted financial metrics on product, business line revenue and profitability are met.
• Undertaking benchmarking against global best practices in various aspects of Commercial Banking and ensuring that they are adopted and institutionalized.
• Driving development of a work culture that focuses on close customer contact and rapport, superior customer service and operational excellence as key drivers for growth.
• Driving origination and structuring of a full range of Commercial Banking transactions and services to facilitate being able to stay ahead of competitors consistently.
• Driving and facilitating the creation of a culture of cross-selling and integration within the Department and across the Bank businesses to maximize revenues and profitability
• Lead and manage a team of Regional/ Senior and Relationship Managers.
• Guiding the development of robust systems to assess market factors to influence credit decisions and providing guidance to team as appropriate.
• Identifying training and development needs of team members and ensuring ongoing capability development for the department.
• Driving and championing a culture of meritocracy, learning and empowerment by evaluating performance, coaching team members, creating career paths and guiding them towards better performance.

Other Requirements

• Minimum: Bachelor's degree in business management/Banking or equivalent
• Master's degree is highly desirable
• Additional Qualifications in Management or Business development will be an added advantage.
• Over 12 years of Commercial / Business Banking experience out of which at least 7 years must be at Head /senior management level
• Knowledge of Islamic Banking products will be an added advantage
• Relationship Management
• Credit Management preferably Omega certification